Who is the more righteous?

I love the way Romans 2 puts this.  The one who follows the law or follows the will of Christ even though they have never heard the good news is more righteous than those who have heard the Gospel, accepted Christ, but don't follow through are. 

And once again I find Scripture that tells me that there isn't a magic incantation to be saved.  Just to recap what I am talking about, I have been comparing what Jesus said it takes to be saved to what the rest of the NT says.  Most Christians have been raised with the belief that you have to believe in your heart and say with your mouth that Jesus is Lord to be saved.  However I can't find anywhere that Jesus said that.  With Jesus it was a total heart issue.  In this passage Paul seems to be agreeing with Jesus.

Romans 2:5-11(NKJV)

But in accordance with your hardness and your impenitent heart you are treasuring up for yourself wrath in the day of wrath and revelation of the righteous judgment of God, 

who “will render to each one according to his deeds”: 

eternal life to those who by patient continuance in doing good seek for glory, honor, and immortality; 

but to those who are self-seeking and do not obey the truth, but obey unrighteousness—indignation and wrath, 

tribulation and anguish, on every soul of man who does evil, of the Jew first and also of the Greek; 

but glory, honor, and peace to everyone who works what is good, to the Jew first and also to the Greek. 

For there is no partiality with God.

Do you see anything there about specific wording?  It seems to me that the message is that it is a heart thing.  And where your heart is focused is demonstrated by the things you do or don't do for God.  Does that make sense?

And just to be clear I don't think there is anything wrong with believing in your heart and saying with your mouth.  Nothing wrong with that at all.  It is a good thing.  I just don't think it is necessary for being saved.