Catholics don't use the term "saved" much at all. "Redeemed", "delivered", "salvation", even followers of the narrow way.
Catholics think it is silly that Protestants accuse Catholics of "earning their way to heaven". It is like Protestants don't know that heaven is a gift. No need to earn a gift. Salvation (or following Christ) is a way of life, a redeemed way of living. It is the narrow way that leads to the gift of heaven. It is not enough for lips to say, "I believe", acts proclaim what one believes.
If non-Catholic Christians wish to phrase it as "salvation creates works", it is pretty much the same as what Catholics say, is it not? I think it is vital that neither side ever states what the other "really" believes. We do well to to layout our own beliefs and practices and leave it at that.