Receiving rewards or suffering loss at the judgment seat of Christ (cf. Rev. 2,3) are grave issues about which most Christians seem to know very little, or for that matter, appear to even be concerned.  But such will have no bearing upon the fact that there is a day coming in the not too-distant future when every Christian MUST render an account to his Lord for the  "things done in his body"  (II Cor. 5:10).
 
The presence or absence of works on the part of Christians can have no connection whatsoever with their prior reception of the finished work of Christ.  Christ's finished work allow an individual to be placed in the position where he can produce good works.  There is nothing in Scripture which teaches that he, of necessity, will produce good works.  Such would be completely contrary to the teaching of salvation by grace through faith apart from works.
 
If it be maintained that every Christian must produce good works to show that he has been saved, then it must follow that every Christ would appear at the judgment seat of Christ with works which would "abide" the fire.  Possessing works of this nature, EVERY Christian would "receive a reward."
 
But such a thought is seen to be erroneous by reference to the text in I Cor. 3.  There will be Christians appearing at the judgment seat who will "suffer loss" and "be saved; yet so as by [through] fire" (v. 15)  ALL of their works will be burned, but they themselves will "be saved,"; i.e., they themselves will be delivered.  And this deliverance will occur "through fire."
 
The deliverance at the judgment seat can have nothing to do with eternal salvation, for all issues surrounding one's eternal salvation, whether during the present time or at the future judgment seat, are past issues (e.g., Christ's finished work at Calvary, the Spirit's finished work of breathing life into the one having no life, allowing him to pass "from death unto life").  God judged sin in the person of His Son at Calvary, and God is satisfied; and the Spirit breathes life into the one having no life, on the basis of the finished work of God's Son.  And this work of the triune Godhead is a past, finished deliverance which could never be referred to in the future sense seen in 1 Cor. 3:15.
 
The deliverance seen in 1 Cor. 3:15 is, contextually, a deliverance out of the fire at the judgment seat.  Though all of the person's works will be burned and he will appear naked in Christ's presence (Rev. 3:17,18), he himself will not be burned.  Rather, he will be delivered - delivered from being burned with his works.
 
But, though he himself will be delivered in this respect, "so as by [through] fire," he will be unable to escape the dire consequences which will result from his works being consumed by the fire and his consequent naked appearance.  And there can be no deliverance from these consequences, for there will have to be a "just recompense"-exact payment for services rendered in the house during the time of the Lord's absence.  If not, God would not be perfectly just and righteous in His dealings with His household servants.