Troubling Questions

I am sometimes troubled when I hear believers ask such questions as, "Must a man go to church to be saved? Must he be baptized in order to enter heaven? Does a man have to live righteously in order to inherit eternal life?" I could understand an unbeliever asking such things. But a believer should already know that it is "not by works of righteousness which we have done, but by His mercy, He has saved us." Salvation is not dependent on any thing we do, but depends entirely on what God does. BUT THERE IS A GREATER CONCERN THAT THESE QUESTIONS POSE. What would motivate a believer to ask such a question in the first place? Is he looking for an excuse to avoid these things and still go to heaven? Doesn't he WANT to live righteously? Doesn’t he WANT to confess Christ? Doesn’t he WANT to go to church? It makes about as much sense as a man saying, "If I marry this woman, must I live with her?" If a man doesn't WANT to WORSHIP, CONFESS, and FOLLOW Christ, he should make no profession of BELIEVING Christ.