We have been saved, are being saved and hope to be saved. Paul likens it to a race, and as you know, a race isn't over until you cross the tape. The tape is our judgment. Why pray for perseverance if salvation can't be lost?
Good point.
Now if you are saved, then you cannot lost that salvation (Eph.4:30).
The race being run has to do with rewards not salvation. (1Cor.9:24-26)
The final glorification has to do with our receiving our resurrection Body, not salvation (Rom.8).
These things have I written unto you that believe on the name of the Son of God, that ye may know that ye have eternal life (1Jn.5:13)