Hi Joel,
I tend to understand those passages as meant to affirm moral life principles, not meant to teach about the eternal destiny of anyone.
The parable of the 10 virgins speaks to me of the importance of personal diligence, planning, and preparation. There are many good things that God would do in and through our lives if we’ll be diligent to prepare, whether that education, eating right, working hard, planning, or the spiritual disciplines. If we live foolishly, not planning for the future, then we might miss out on much of the good that God wants to bring in our lives.
Concerning the parable of the talents, it shows me both the importance of personal diligence (not being lazy) and the importance of having right beliefs concerning the nature of God. The 1-talent man was paralyzed by fear, thinking that the master was harsh and evil, when all along master was kind and gracious. And the 1-talent man was selfish, lazy, and did not want to take personal responsibility. Because of these, he would come to a place of terrible regret and anger at himself, missing out on the goodness that God wanted to bring in his life.
And to me the passage about the separation of the Kids from the Flock (aka sheep and goats) “IF” interpreted concerning personal responsibility speaks to me of the importance of social maturity. Those of us who are socially mature, see and meet the needs of others almost unconsciously will be rewarded/blessed by God. Those of us who are socially immature, so self-consumed that we do not even see, much less meet, the needs of others, well, God will chastize us to grow us up!
However, “IF” one interprets it as God judging nations, and how they treat the poor and disinfranchised among them, and possibly how they treat the Jews and Christians, then God either blesses or chastizes nations based on their treatment of these groups. It could also be a statement against social systems that oppress the poor and disinfranchised of society.
Sadly, misinterpreting as Jesus separating the saved from the unsaved completely nullifies the power of these passages to call us to repentance and the Jesus Life! If the person is saved then he has no worries, except for others. And if the person is an unbeliever, he doesn’t care what they say anyhow.
Repent for the kingdom of heaven is at hand, within reach! Jesus calls us to repent from our selfishness and lazyness, to be diligent to do good and give our lives in service of others. And what we sow we shall reap, if not from others, from God!