I just go by what the Bible says and this is good enough for me.
From that, I see that salvation is... ... that if you confess with your mouth the Lord Jesus and believe in your heart that God has raised Him from the dead, you will be saved. For with the heart one believes unto righteousness, and with the mouth confession is made unto salvation.
Romans 10:9-10
If you have an argument with the Bible, take it up with God ... :-) ...
Right, and...
And...