How can I answer this question for someone else?
Well, I suppose that if I followed an orthodoxy, I'd have to say yes--most such teach that we are bad beyond redemption by our own efforts, and without taking some positive, God-centered action (such as accepting Jesus as personal savior, or submitting to the will of Allah) we will suffer some terrible eternal fate.
Of course, they differ on just what action or actions we should take, which is--inconvenient, to say the least.
Since I don't, I think that you must find the answer to this for yourself. What comforts you the most, and what challenges you the most? These are the clues to growth.