Yep. And it's based on your opinions and experiences alone, as you've stated.
The Reformed Christian believes that his knowledge, his fruits, his salvation, his every breath, are all based on God's will alone. We objectively and subjectively believe this because the Holy Spirit guides us and comforts us and assures us that God's will is subjective to nothing but Himself.
Them's the cards. Deal with it.
Incorrect use of the word, Dr. I think you meant to say "subject" rather than "subjective."
I'm not a reformed Christian, but I believe that my knowledge, fruits and every breath, is based on God's will.
I do not understand salvation.
I believe that these are the cards I was dealt.