How do you reconcile this with Ephesians 2:8-10?
I've yet to meet a Christian that has met the criteria of perfection you seem to lay out in item 10 - we all fall short...we simply can't meet the perfection expected by God...
therefore, the act of grace on the cross.
Faith alone in Christ alone.
Yes.
Let me clarify. My “Yes” was in agreement with your point. Not an affirmative to the question you posed.
You apear to be several steps down a conversation I did not have. Where did I say that a Christian who backslides is no longer saved?
Faith or belief that is required to reach the point of repentance involves the first 9 steps.