Perhaps this post to stonehouse will help you comprehend the simplicity of the Gospel of the Grace of God in Christ. There is no grace plus works for Justification. There is only Faith. Then the being raised up a newborn in the way that you should go begins, by the indwelling Holy Spirit of God. Your Redeemer does not have any shortage of cash. He has paid the full price for you but you must accept it as the full price or insult His Grace. Your works to add to faith, in order to obtain Salvation/Justification is an insult to His SUFFICIENCY.
I disagree with your statement: “Your works to add to faith, in order to obtain Salvation/Justification is an insult to His SUFFICIENCY.”
I do agree that The sacrifices and death of Christ opened Heaven to all of us. That our Baptism and following God’s will enable us to join Him in Heaven.
Do you not accept free will that allows one to sin (and lose our salvation by our works) even after you accept faith in Jesus? An example is Judas. Even Peter denied Jesus three times.
Perhaps you are familiar with Matthew 25:31-46 about Judgement Day.
Do you dispute the the Gospel of James 2:24?