Salvation is not based on human understanding and human will, you keep trying to make room for that. Even the human willingness to hear God, comes from God, not from the human. Psaul in Gal. 1:12, " For I neither received it from man, nor was I taught it, but I received it through Jesus Christ revealing it to me." That is the process, it comes from God, not from free will self choice.
In 2Corinth. 5:14, " For the Love of Christ Controls us." This has nothing to do with choose or participation. The willingness to consider God does not come from self will. 2Corinth. 3:5;" Not that we are adequate in ourselves to consider anything as comming from ourselves, but our adequacy comes FROM God." See you are trying to make room for human will to be adequate enough to make its own choices, see then a human could give themselves credit for their salvation, thinking they have it because of their choice, and then glory in that choice.
Eph. 2:8;" For by grace you are saved through ( Gods faith) faith, and that " NOT of yourselves, it is the gift of God!" Salvation is NOT a result of self choice, not of YOURSELVES, its a free Gift!
Even simple belief in God is GIVEN by God! Belief is NOT self generated. Phil. 1:29;" For to you " It Has Been GRANTED for Christ sake, not only to believe, but also to suffer." Belief is GRANTED by God, not worked up within the human ability to decide.
Phil. 2:13;" For " IT IS GOD" who is at work in you, to BOTH WILL and work for his good pleasure." The human very will to consider God, comes FROM God.
See we have been taught deception, thinking that it is our own minds, own will, own choice to believe in God, that is NOT true. God molds the human mind to believe AND not believe!
And I want to go into that.
Peace.