Greeings, Hann.
When studying scripture, it is best to analyze verses in light of their surrounding contexts rather than cherry pick one from one epistle and one from another to create a doctrinal position. Your post bounces around all over the place like a ping pong ball, and ends up first introducing a text about moral/ spiritual conditions present during the early church (and by extension that will be again in the years ahead, and both specifically as a result of the influence of Gnosticism), over into a passage about conditions in relation to the coming of the Antichrist, then over into passages about the dispensation of grace, as if the three were somehow related when in fact all three are dealing with different subject matter.
But let's take your lead text for starters:
1 But know this, that in the last days perilous times will come: 2 For men will be lovers of themselves, lovers of money, boasters, proud, blasphemers, disobedient to parents, unthankful, unholy, 3 unloving, unforgiving, slanderers, without self-control, brutal, despisers of good, 4 traitors, headstrong, haughty, lovers of pleasure rather than lovers of God, 5 having a form of godliness but denying its power. And from such people turn away!
Now, in context he is actually talking about the Gnostics, who were a group of heretics who professed to be Christians but were not. This is why Paul stated here that they will have a form of godliness but deny the power thereof, and instead lead lives of ungodliness. Does it relate to what is going on now? Gnosticism actually making a slow come back in the earth now. There are numerous websites now dedicated to it, and I have seen Christian forums elsewhere where groups of them have shown up en masse and started trying to subvert the Christian atmosphere of the forum just as they were attempting to enter into churches during New Testament times and subvert them spiritually (Jude 1:4).
Are we in the end-times proper according to this particular passage (without treating any of the others yet)? No, but we appear to be getting closer, judging by the growth of that heresy in the earth once again.
Hope that helps a little,
Vindicator