Hi Omni,
Babies are not guilty, Ian. You can theologize all you like, but I grew up with baby siblings, baby nieces and nephews, made babies and diapered grandbabies. I was a baby. Babies are not guilty.
But, according to the warped fundy mindset babies are indeed guilty, all of mankind is guilty.
My friend John, who is now teaching in the USA, essentially answered your question when I enquired about the nice old grandma who helps when she can and never insults anyone, where is she going when she dies.
His reply was that she is rancid with sin until she accepts Jesus into her heart, it doesn't matter how nice you are, or how much you help others, everyone is tainted with sin until you accept Jesus' sacrifice and repent.
Remember, when talking to fundies, you need to consider their mindset, they only have a one track mind, the veracity of the Bible, every syllable.
I think the easiest way to reconcile suffering with a loving God is to realise that there is no such thing as God. The concept is very outdate now and the only real growth area for Christianity is in third world countries, or oppressed countries, or wealthy countries with home schooling.
The problem is, some people need the comfort of there being a big daddy in the sky to look after them and give them a reward at the end of it all, and to keep this delusion alive they will accept any pathetic apologetic (of which free will is the saddest) to keep it intact.
Liberating yourself from the suffocation of believing in God doesn't make you a bad person, but it does enable you to be a free thinker, and frees you from racist and sexist legends.
Brian.