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>> “Salvation happens the moment we accept Jesus Christ as our Lord and Savior.” <<

Where did Yeshua tell us that?

He didn’t. That idea is nowhere to be found in scripture.

Yeshua and his apostles tell us that we must endure to the end to be saved on that day on which all of Yeshua’s bride will be saved.

Being raised up in an immortal body on that day is salvation. Enduring to our end in faithful obedience is the only thing that can assure our salvation.

The Mikvah doesn’t save us; it gets Torah written on our hearts, which makes salvation much more likely, but some do turn away. Paul and Peter assured us of that (Hebrews 6,10; 2Pet 3)

>> “We are already saved when we return with Christ at the end of the Tribulation” <<

When we return after the wedding feast, actually, but it is the gathering of the bride after the tribulation that brings our salvation. That is when we are changed from mortal to immortal, which is precisely what salvation is. That is what Yeshua told Nicodemus. We must be born again as individual specially created immortal sons of Yehova.

Following your false sound bite doctrines of men is definitely not smart; it is a guaranteed recipe for failure.