YEAH! And I'm not even that bright and I can get this. What's the deal around here? :)
Or, rather if they are, they weren't really elect after all, right?
Accordingly, someone could say the sinners prayer and get lost, but then they weren't really saved, right?
So I see the POTS as really hindsight. Those that persevere are the elect, never lost; those that don't, get lost, but they were really reprobate. You don't have insurance until your claim comes due.
Claiming X is one who won't get lost is known by God's omniscience, but by man in hindsight.