Here we are, the followers of Jesus, fully exposed before our Creator. I'd say warts and all, but that's not nearly strong enough. Describing what's still wrong with us as "warts" is like saying the Titanic had a leak. I used to think I was doing okay except for two or three issues I was working on plus maybe a blind-spot or two I hadn't seen yet. Now I'm not so sure of myself, not so sure that my blind-spots don't vastly outnumber my known-spots.
There is so much still in us that is profoundly unlike Him. I recognize now that much of what remains unchanged inside of me is deeply incompatible with eternity in heaven, deeply incompatible with the wonder and perfection of His essence. Yes, if you're a true born-again follower of Jesus, you're fully forgiven just as I am, but neither of us is through being changed. Don't fool yourself: if you're still in this life, you have only begun being changed.