Too many ifs. Again, what’s wrong with simple faith that you have been saved? Is faith enough? Yes or no question.
Faith is enough if it is real.
Too many have faith but no works. For me it is not exclusively what a person believes. It is whether or not what a person believes is the motivating factor in their life.
I can tell my family the gospel and they tell me they believe. But I don’t see in there lives that the gospel has made a difference in their lives. So, do they believe the gospel?
I can’t see their heart so I don’t truthfully know if they are saved or not. But faith without works is dead being alone.