Salvation is a gift period end of story? Faith without works is dead, but you cannot work your way there. Works are a characteristic and a byproduct of the gift.
If the cross wasn’t sufficient we would screw up whatever we had to do on our own.
Byproduct? How easy it is to miss the "NOT" in "NOT by faith only" when you receive your religion second-hand from flimflamers and snake oil salesmen. Salvation is indeed a gift, but God does not give it to lazy slugs too stupid to read. Either get off your fat butt and do what God commanded, or slide off your ivory bed and right into a pit. You can start by reading the Bible before you pretend like you know what's in it.