Scott Clark makes the point that to divide initial justification and final justification disqualifies one from bearing the honourable title "Protestant". To insist on two stages of justification in this manner is a Papist error.
In N.T Wright's latest book, he presents justification in just this way when he describes it as being declared "in the right" now, through faith, and being declared "in the right" on judgement day according to the whole life lived. Nowhere does NTW give an explanation as to HOW this works.
Is God the god of bait and switch? By no means. Does God say, "I forgive you and forget your sins by grace through faith apart from works" before saying at the judgment "Okay, when I said you were saved by faith apart from works, I didn't really mean it. Now, let's take a look at your performance. Oh dear..." If this is were the case, assurance of salvation would be impossible. One could never say, "There is now NO condemnation." You would need to take a pair of scissors to John 5:24 "Truly, truly I say to you, whoever hears my word and believes him who sent me has eternal life. He does not come into judgement, but has passed from death to life." (ESV)
It seems that many "Protestants" view God as a Protestant in this life and a Papist at the Great White Throne.