It might feel that way. But the fact Christ paid for every specific sin you ever have or will commit predates your birth, let alone your awareness of your salvation.
Our understanding that Christ ransomed us comes at varying times and in varying degrees. I think some Reformed can get hung-up in Romanist hocus-pocus. Instead, regeneration is a "washing" (Titus 3:5) away of the old man, the patterns of sin left over from our first father, and a gradual, inevitable recognition of Christ within us.
Regeneration is God giving us the ability to shed the old man. Sanctification is our actual accomplishing of this through faith, repentance, and worship.
So the Apostle teaches when he says, "We all with open face beholding as in a glass the glory of the Lord, are changed into the same image from glory to glory, as by the Spirit of the Lord." Again, "Be renewed in the spirit of your minds" and "put ye on the new man, which after God is created in righteousness and true holiness." Again, "Put ye on the new man, which is renewed in knowledge after the image of him that created him." Accordingly through the blessing of Christ we are renewed by that regeneration into the righteousness of God from which we had fallen through Adam, the Lord being pleased in this manner to restore the integrity of all whom he appoints to the inheritance of life. This renewal, indeed, is not accomplished in a moment, a day, or a year, but by uninterrupted, sometimes even by slow progress God abolishes the remains of carnal corruption in his elect, cleanses them from pollution, and consecrates them as his temples, restoring all their inclinations to real purity, so that during their whole lives they may practice repentance, and know that death is the only termination to this warfare..."
"One minute you're a goofy reprobate"
No fair, you've been talking to K again.
Did there come a point in time when you were saved so that no one could pluck you out of God's hand or separate you from His love; when you were positionally made righteous?