In every context, that should be preceeded by the question, "Saved from what?". If from the penalty of sin, I will agree with you. If from sinfulness, God requires human cooperation this side of the last day. If one is willing to cooperate with God in the later, then the former is done for you without penances or works to pay the debt.
Well, I guess you are sinless then, right?
God changes the heart to turn us to him, and in turning we choose a direction away from sin even though we are still fallen and sinful. If that doesn’t make sense to man, then his heart has not turned to God.
Do you still have the same desire to sin that you had before Christ saved you? I do not.
If from sinfulness, God requires human cooperation this side of the last day.
So, "dead" in "When you were dead in your trespasses and sins" means "only mostly dead"?