A basic difference is that I am emotionally neither Christian nor Jewish. Within the Christian mythology what you say makes sense, and within the Jewish it makes potential system. But since I don't accept the Mosaic Law either, it doesn't ring any bells for me.
As for redemption and forgiveness, I don't believe that we get what we deserve. We do what we do. We get what we get. There is correlation between the one and the other, but there are also factors beyond our control. And we start with a history about which we can do little.
The world has no respect for fairness. Justice is a human invention. We do what we can, as best as we can, then we pass on.
This is not a comfortable philosophy. It happens to be the only one that I can honestly own.
Cheers,
Ben