Forget about forgiveness?

"Asking God to forgive you is like a happily married person asking their spouse, please will you marry me? Stop asking for something which you already have & start thanking that you are already forgiven, past, present & future." This is what I read somewhere recently and pondered on the statement. I was not able to read the whole message so I cannot place it in context. I hope the writer is not saying that a saint never needs to confess his sins. What a terrible thing to say to a believer who has fallen into defilement, that God has forgiven them all and that you do not even need to repent.
I believe the real problem here is confusion regarding the forgiveness we have in Christ and the forgiveness that is worked out experientially in our lives. This leads to an even more fundamental question. When we atop abiding in Jesus, what are we losing out? What did David go through when he sinned against the Lord? He lost his sense of being forgiven and everything connected to it including peace.
Yes, our forgiveness has been purchased once and for all on the cross of Jesus. No more work need to be done by Jesus for it, because it is complete and finished. However, it can be experienced in our lives for the first time only when we repent and turn to Him. As with every experience that we have, this forgiveness continues to flow through our lives as long as we are abiding in Jesus.  When we sin, we have stepped out of that river of forgiveness and we need to cleanse ourselves by going back to that river. This cleansing has to be both for specific sins and to aid our growth in Him (1John 1:9). This is the only way to perfect our holiness (2 Cor 7:1).