So, are you saying that I cannot simply say "I accept Jesus into my heart" and I will be saved. How does one "mean it?"
You defenders of the construct do like to slice it pretty thin, don't you? Well, since God reads decisions of the heart and not some rote recitation of words (not even some rote recitation of John Owen), I don't think it is profitable to spend too much time and effort on the 'perfect' formulation of words.
But we do know the answer which Paul and Silas gave when the Phillipian jailer asked, "Sirs, what must I do to be saved?" They replied, "Believe in the Lord Jesus and you will be saved." And he was.
Now I know that isn't the word of some construct defender like John Owen, but, well, -- how can I say this to you charitably -- it is the Word of God and that is good enough for me.