Re: sophisticated tense
The grammatic principle is that by the time you collect the card (in the future) the action of giving the card will be in the past.
After you lose 10 kg, you won't mind the sacrifices you made.
When you reach the top of the tower, your legs will remind you how many stairs you climbed.
Making the sacrifice and climbing the stairs may be in the future NOW, but after we lose the weight or reach the top, they will be in the past THEN.
I'm not a teacher, but I write for a living. Please don't ask me about 2nd conditionals, but I'm a safe bet for what reads well in (American) English.