Sister, you're correct when you say that Allah is Al-Raheem and his love encompasses his wrath, but then as per the Hadith and the Quran one can only be at rest if a person believed in Allah and did good. Why does Allah always repeat this several times in the Quran "Indeed those who have believed AND did righteous deeds...." So both of these conditions have to fulfilled in order to achieve eternal peace and bliss. I hope you understand
Everyone has their own perspective.
I don't want to start an endless argument here.