No, that's not what it "boils down to" and it saddens me to hear you spout something like that. It indicates to me that there is no understanding of the change within upon the indwelling of the Holy Spirit. Now there are some of your statements that are actually true but I doubt you understand why.
>>So you mean all I have to do is say the words "Jesus Christ is my personal savior" and I am done? Really?<<
Yeah, really!!! You see, once that is said with a true belief and a contrite heart the influence of the Holy Spirit causes a drastic change within. It is a submission to the working of the Holy Spirit through you that causes the actions to change. Carnally trying to emulate a Christian life is what will cause Jesus to say "I never knew you".
As for the rest of your post I would simply say the pathetic lack of understanding of the true spiritual change wrought by the Holy Spirit in the life of a true believer is telling.
Asking Him to forgive you and save you does make Him your personal Savior.
Romans 10:9-13 because, if you confess with your mouth that Jesus is Lord and believe in your heart that God raised him from the dead, you will be saved. For with the heart one believes and is justified, and with the mouth one confesses and is saved. For the Scripture says, “Everyone who believes in him will not be put to shame.” For there is no distinction between Jew and Greek; for the same Lord is Lord of all, bestowing his riches on all who call on him. For “everyone who calls on the name of the Lord will be saved.”
2 Corinthians 5:17-21 Therefore, if anyone is in Christ, he is a new creation. The old has passed away; behold, the new has come. All this is from God, who through Christ reconciled us to himself and gave us the ministry of reconciliation; that is, in Christ God was reconciling the world to himself, not counting their trespasses against them, and entrusting to us the message of reconciliation. Therefore, we are ambassadors for Christ, God making his appeal through us. We implore you on behalf of Christ, be reconciled to God. For our sake he made him to be sin who knew no sin, so that in him we might become the righteousness of God.