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.
Then why do you disagree with the term "works-based" salvation? I know you give some credit to God for playing a part, but as you said, He is done. Therefore, again as you said, whether one goes to Heaven is "BASED ON" if he does enough works. That is works-based salvation.