score:4
It seems you're asking about the difference between precepts and counsels. All are bound to follow the precepts (10 Commandments, Precepts of the Church, etc.), but a person not bound by religious vows does not sin by not living up to the counsels (poverty, chastity, obedience) to their fullest.
See:
Is not a man obliged to do the greater good? I say that one must distinguish the greater good in regard to the actual performance or in regard to the desire. One is not held to the greater good in regard to their actual performance, but to the desire to do them, because every rule and every action is determined to something defined and certain: but if one is bound to do every action that is better, one is bound to something uncertain. Hence, in regard to exterior actions, because one is not bound to do something uncertain, one is not bound to do the greater good; but in regard to the desire, one is held to desire the greater good. Hence, he who does not always wish to be better, cannot wish without contempt [of doing the greater good].*Thus, married Christians must have the spirit of the counsels, even if they do not have the opportunity to put them into practice.
* "There is a way of fulfilling this precept, so as to avoid sin, namely, if one do what one can as required by the conditions of oneβs state of life: provided there be no contempt of doing better things, which contempt sets the mind against spiritual progress" (II II, q. 186, a. 2 ad 2um).