As Christians, our salvation is complete. Our becoming like-Christ is a life-long and into eternity process. For we do not know what we shall be, but we shall be like Him. We are in the process of being transformed - and part of that process is what we are doing right now. Discussing His Word.
Then you proceed to describe how it is not complete. Typical Protestant empty spin.
Christ's work is complete. Ours is not. We will be saved or not saved according to our works. This is plain scriptural truth, straight up, no invented scripture and no extrascriptural metaphysics about works being entirely fruit of the spirit.