Simple answer to a post that's a little too long...

'Salvation' is another word for 'being at peace with yourself'. If your conscience is clear and you believe you've lead as virtuous a life as you're capable of, you will be 'saved' in your own heart. You don't need someone to tell you whether you lived a good life or not. It takes a few minutes to just sit down and reflect, and if you feel guilty about something you did to someone else, it's not God to whom you have to ask forgiveness, it's the other person.

We live in the here and now, with fellow human beings. We need to be at peace with each other in order to be happy.