I understand, but what I'm saying is that there are other valid ways to interpret what constitutes the method of salvation. For example, some groups interpret the salvific process as taken care of in the incarnation -- the very act of God becoming Incarnate reconciles humanity. some make the valid claim that it's faith that saves, but that it's the faith of Christ, not our faith in Christ that saves. Any of these are valid biblically and bear fleshing out. I think that "having faith in Jesus and repenting of sins is certainly one valid way to look at it, but it's not the only valid way.
The bible supports any number of valid interpretations, so, while I think an interpretation can be, as you say, "100% correct," I also think that other interpretations can be "100% correct" simultaneously.