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I just believe that since I am the one that sinned, and our Lord has paid in blood to accept the sin itself, I should be held fully accountable for my temporal penance.
Please ladies and gentlemen, help me to explore this and if I am wrong point it out to me how and why.

As I understand it, one avoids Purgatory by doing the temporal penance  before death. I am not sure why this would make you think that you are not held fully accountable for your temporal penance. Perhaps you could give a link or an exact quote.

Here is a (pre Vatican II) booklet by Fr. Paul O'Sullivan on avoiding Purgatory.  Perhaps it will help to answer your question: 

http://online.anyflip.com/scnz/atqc/mobile/index.html#p=1

Thanks Nadir. That was a good way to put it to me. It helps me see a different way (change of perspective).
I love, and at the same time am overwhelmed by, how answers to my questions lead to new questions in unexpected directions.

E.g.: church Militant, suffering and triumphant. Had no idea about this. New directions to move in and explore.

Happy to help. We are all in the same boat. The learning just goes on...and on....and on.... and on.

Here is a nice little pamphlet that will help, Read me or Rue it. It is simply written and short, always a good combination. :)

Thanks for your explanation and the link. This is by the same author as the pamphlet that I linked to, Fr. O'Sullivan.  This one is a good general explanation of Purgatory.  The one I gave earlier in the thread was specifically on avoiding Purgatory.  It talks about how to avoid sin in the first place and, when one does sin, to do penance.  I found both helpful and I hope they clear up the subject for 800 Cruiser.  I wish that I had been given information like this when I was a new Catholic, but this is not the sort of thing that people talk about much in the Novus Ordo.

I have been enjoying these threads that 800 Cruiser has been starting.  It's a great way to review to truths of the Faith.  His posts have reminded me of when I was new to traditional Catholicism and trad forums.  You may remember what I was like then, Stubborn.  I wish that I had had the humility to ask questions like 800 Cruiser does, instead of thinking that I knew it all and arguing with everyone.