Matthew 13 is an interesting chapter to pick a sentence out from in order to take it literally, given that the entire chapter is about metaphors and parables, none of which works when interpreted literally. Jesus is drawing on an existing body of metaphors for judgement developed through the later OT scriptures. I think it is probably truest to say that the idea of judgement and hell was a matter of theological debate that has gone hand in hand with biblical scholarship, and that many, perhaps most, Christians do not interpret those verses literally.
Regarding love and courage. We need to remember that what Jesus means by love is what we do not what we feel. He is pretty uninterested in nice feelings. Love for Jesus is what we do when we welcome the stranger, care for the sick, visit the prisoner, clothe the naked, feed the hungry. Would it take courage to befriend a sex offender on his or her release from prison? Would it take courage to welcome a destitute person into your home? Would it take courage to go without yourself so that another person could have their needs met? Would it take courage to forgive someone who had wronged you? Would it take courage to sacrifice your own needs, your comforts, your wants and desires, for another?
Jesus knows that this is hard. It takes courage. We fail -- I fail, and fail, and fail again. But it is still the ideal that I try to live up to, because Jesus is the best model there has ever been. As for who will go to hell, well, in my view God's forgiveness is, his desire to love us and welcome us, is greater than our capacity to sin. That doesn't mean that it's ok for us to do terrible, cruel, stupid things (such as we all do). It's not. But it means that God will always love us, and always want to welcome us home again, and will always be there willing us to turn away from our stupid, cruel careless actions and towards him.
We all face judgement: judgement is to have our actions looked at by God, who will see them all clearly, seeing through the endless layers of self-justification and self-deception that we all surround ourselves with. I'm pretty terrified of that. But I trust that God's forgiveness is wider and more generous than whatever I can have done,
As for hell, it is being without God -- turned away into nothingness. A good metaphor of hell is an abyss of nothingness. You may say that you already live in a universe without God, so that nothingness would make precisely no difference to you. I would say that perhaps God is like the roar of traffic we are all so used to that we do not hear it. Just because you don't perceive him, does not mean he is not there. In any case, I don't know who will be in hell: I don't need to know, because judgement is between the person and God. All I can do as a person is try to love and forgive as Jesus told us to, and to follow him.