Trid,
To answer your question directly, no: I believe you're wrong. Your argument is the old "pay, pray and obey" mentality,  designed to keep people in line, without requiring those in charge be held accountable.  

Let me try it this way: let's ASSUME that HV is in fact a church doctrine. Were that the case, and knowing that 85% of Catholics have not accepted the teaching, disagree with it, would it not make sense for bishops to make this one their number one priority in the church? What bishop would want to face his maker, knowing that they did very little to try to convert those many  millions of Catholics who died on their watch, and went to hell? Would it not have been better for those people to have NOT been Catholic? Yet, HV came down to a relatively weak defense, in the late 60s and 70s, and all but dried up since.

To your point directly, if the Holy Spirit loves the church, what are the odds She will allow 85% of Catholics go to hell? Your "distinction" doesn't fly.