Very well said, Randy.  It is a misunderstanding of this parable that causes people to further misunderstand what the Bride is all about.  The Bride is nowhwere mentioned in this parable.  The only two translations of the Greek word for the subjects of this parable are "virgins" and bridesmaids."  I don't understand why people feel the need to make the subject of this parable the Bride.
Its not the wisdom or the foolishness of the Bride that the Groom takes into account when He comes for Her at the Rapture....its the simple fact that He and She are engaged to be married!!  And the engagement happened when She accepted His proposal (salvation) and His engagement ring (the sealing of the Holy Spirit.)
The Bride's "wisdom" is not in how much oil She keeps in Her lamp, but rather Her "wisdom" was displayed when she accepted the Groom's proposal and engagement ring.  When He comes for Her at the Rapture, He snatches Her up and whisks Her off to His Father's House.  He doesn't stand there and wait to see who has enough oil in their lamp and comes out to meet Him.  He simply comes for the ones He's already engaged to!!  And this event (the Rapture) is not being described in this parable.  It happened prior to what's going on in this parable.