This is totally backwards. The protestant doesn't know/care that the Church is the proximate rule of Faith because they ALSO reject the Church's authority. They are formal heretics, without a doubt.
Right, and this comes turning everything to being about sincerity, where a subjective sincerity can supply for an objective lack of truth.
Now, sincerity can enter in to a point, such as when you "sincerely" THINK that the Church taught something but were wrong. That's the nature of material heresy, where you believe the wrong thing but for the right reasons. St. Augustine says that the litmus test for identifying this type of heretic is their readiness to accept correction. When you explain to them that, "oh, that's not what the Church teaches", they'll immediately respond with, "oh, wow, sorry ... did not know that" and then immediately change their minds. Now, this does not apply to scenarios where you claim that I have some amazingly powerful and undisputable arguments, based on various reasoning and syllogisms, that something is heretical, but where you don't agree. If there are reasonable numbers of Catholics who profess the True Faith who seem to agree with you, then it's likely not been proposed by the Church's authority with sufficient clarity in order for anyone of good faith to be required to accept it as Church teaching. Take papal infallibilty before Vatican I, where you'd correctly have argued that it's revealed dogma, but someone who didn't agree with you would not be considered a formal heretic until the Church officially declared it.
That's why it's said that if you deny one dogma, you deny them all, since if you impugn, even implicitly, the teaching authority of the Church, then even the things that you do not (materially) get wrong, you still don't believe them for the right reasons, but because YOU decided they were right, having made yourself (or some false sect) your false rule of faith.
But, if you're a Prot and don't even accept the True Rule of Faith, you simply cannot have the right motive of faith, and you're in the same position going in as that guy above.
You can be lacking the formal motive of faith either by having rejected it positively and having sinned against it, or simply by lacking it. Just because you're sincere does not put you in possession of the correct formal motive of faith. You won't be punished for that, as St. Thomas teaches, but that doesn't mean it's somehow supplied as in some Pelagian sense.
Let's say you are baptized a Catholic, but your parents die and you're raised by some atheists. Once you reach the age of reason and you do not affirm the infused supernatural virtue of faith by real acts of faith, the supernatural virtue fades away, as if by an atrophy, even if you did not directly sin against it. It's not like this guy could live 50 years as an atheist and as long as he didn't actively sin against the virtue of faith, that somehow means he has it.
There are some things so essential to supernatural faith that you cannot have them "implicitly", and the only difference between someone who lost the virtue by having actively sinned against it or someone who just never had it in the first place is their culpability in terms of actual sin.
But CK here is hung up on the "sin of heresy", meaning an actual sin against the faith, as being an essential component of formal heresy. No, the formal motive of faith can simply be lacking even without having committed an actual sin against the virtue of faith ... or it can be reject by actual sin, but that speaks only to their degree of culpability, not to whether they actually have or do not have the formal motive of faith.
I think this idea was developed precisely in order to undermine EENS, where we say that after the first couple generations of Prots, subsequent "cradle Prots" could likely be merely-material heretics, and therefore somehow within the Church and therefore somehow saved. So that's why more and more over time, the notion of formal heresy requiring an actual sin of knowingly rejecting the faith grew more with each succeeding generations.
That reminds me of the meaningless-formula statement on EENS that only those cannot be saved who KNOW that the Catholic Church is the True Church founded by Christ and refuse to join it anyway. So, whom does this definition exclude, a handful of atheists who say, "Yep, that's the True Church, but I refuse to join it anyway." Anyone else can be said to be somehow implicitly in the Church simply for not having almost-explicitly rejected it? Ridiculous. You can simply NOT be a member of the Church merely for NOT happening to be in it, and you're not somehow saved by default unless you actively forfeit your salvation. That's Pelagianism in a nutshell, and it's made a dramatic comeback the past few hundred years.