That’s your idea of the process. The point is that they come out the other end having persevered.
If we had a continuum that at one end says 100% God and the other end says 0% God, then you have them on the continuum somewhere in the middle.
I’d have them closer to the God end. But that’s just us talking process. Some have it 100% God and 0% human.
The bottom line remains that they come out the other end on the good side.
The Scripture wouldn’t give us lesson after lesson of forgiveness of sin and perseverance if nothing were required of us but to say “Lord, Lord” once, so these 0% percenters haven’t read the Scripture very closely, if at all.