on this website I found a typical summation of Catholic soteriology called "A Catholic understanding of how grace saves" : http://evangelical-catholicism.blogspot.com/2006/09/catholic-understanding-of-how-grace.html
It seems to still be suspect to my observation that this means that grace is just the ability to do good works and merit salvation, not the absolution of sins or forgiveness which the Reformers taught it was (and which I feel in my heart more partial to still).
To me the issue no Catholic theologians want to touch is sin in the believer. Luther said "when God saves a man he doesn't do it in heaps", and if this is his characterization of Catholicism, then it's kind of true. Catholicism doesn't call Concupiscence Sin and I think has failed to understand what every priest understands: that the average Christian, is a sinner with faith and repentance, not an intrinsically righteous transformed and angelic being.
Hopefully reading some St. Augustine, De Lubac, and Von Balthasar on this will clear some stuff up.