It's seems it would very messy trying to explain exactly when Jesus has judged you as an unbeliever if the judging has not started yet. Is it too late when you see Him coming on the clouds? Is it too late before He is getting ready to come in the clouds? Did He blot out the unbeliever's name before He ever left heaven?
All I know is that I have until my death to decide whether I believe in Jesus or not. After that, there are no "chances". However, since no one knows the day or hour when He will return, we are told we should seek Him while He can be found. So this belief does not encourage people to "wait" until the 1000 yrs to "find" Christ and believe in Him, for we don't know when we may die or how long it will be before Christ returns.
Yes, I will be watching. But I can't debate until I fully understand what you believe and finish understanding fully, what I believe on the issue.
But so far I don't see this as heresy if I believe that you can not be saved without faith. It's just a matter of a difference in timing, it seems.