I think you hit on the definition of formal heresy in your question ... "because they thought the Catholic Church taught it". If they truly believe that and are inculpably ignorant, their accepting something because (they think) the Church taught it speaks to having the correct formal motive of faith, and thus the term "formal" in "formal heresy". Now, the term has been warped and distorted the past couple centuries to meaning that they're "sincere". While sincerity is necessary (i.e. you have to sincerely believe the Church taught it and not due to some ulterior motive), it's not sufficient. Protestants, for instance, even the most sincere, are all formal heretics by definition since they do not believe what they believe due to the authority of the Church, i.e. with the correct supernatural formal motive of faith.
Now, that's for most NORMAL heresies.
Problem with Trinitarian / Christological heresies is that if you don't have true belief in the Holy Trinity, you're not simply a heretic, but an infidel, since you do not actually believe in the Holy Trinity, and there can be no supernatural faith without explicit (true) believe in the Holy Trinity.
So I would hold that Arians were infidels. Aside from Trinitarian and Christological issues, however, I would hold that if someone does believe the Church taught something then they would be definition be only material heretics.