Not sure what the big problem is here. I've repeatedly stated that you're entitled to side with the Jansenists and cling to the opinion of St. Augustine. I agree with St. Thomas (and St. Gregory nαzιanzen) rather than with Innocent III, except that there is in fact a sense in which the loss of the Beatific Vision is a "punishment", a relative sense, where it's not having something that one could have had.
One very apt analogy might be like winning the huge multi-million dollar lottery and than losing the ticket. If I knew that I had the winning ticket but then lost it, that would cause me a tremendous amount of grief. But not winning the lottery if you never bought a ticket or buying a $1 ticket that was a non-winner doesn't have the same effect. St. Thomas likens their state to an individual who didn't win the lottery because he didn't buy a ticket vs. the pain of loss experienced by the individual who had the winning ticket but lost it, where St. Augustine's view is more along the lines of the guy who had a non-winning ticket and was upset over not winning the lottery. Meanwhile, those who were baptized but then lost their souls experience the pain of loss analogous to the guy who had the winning ticket but then lost it.