The question is still why does God justify us? The answer is because we believe. Did you not understand that? As we see in Tit 3 Paul is writing to believers and is reminding them of how they should behave as Christians and of what their hope is, "eternal life" Tit 3:7
This is a valid point but did not the OP address this?
2. We are justified by faith. Rom. 5:1.
Where we have to be careful is exactly what we mean by this. To say a gift has to be received to be of any use to someone is I think, OK. And to say faith is the actual linking to salvation or the hand reaching out so to speak is fine. But to say on one hand that one's faith is what God "looks for" in the sense that it changes his mind and makes Him decide to save you could lead to the charge that you are making it a work or a merit. On the other hand, in an attempt to honor Christ as providing all meritorious reasons for our justification, if you make faith so independent of the one exercising it that you no longer have anything to say to people regarding what they must do to be saved - then you confuse people and disobey scripture.
Some Calvinists do this because they take the theology and apply the overall truth without regard to what is happening in the mind of the person hearing the gospel. The fact is, from your personal standpoint, you hear the gospel and do decide for Christ. It's also quite possible that this was a result of the work of the Holy Spirit, and the case for this being a response to regeneration is possible. There is a balance, and I can say that the church I went to that was very Calvinistic, did indeed believe in witnessing and calling on everyone to repent and believe. They are Reformed Baptist. The church I am at now is less reformed but not by much and they also believe that nothing will happen to anyone as far as salvation is concerned without the Holy Spirit's prior work.
What we see are the limits of theology. We are talking about God, who is infinite, sovereign, and is working things out according to his will. We are finite, always in the process of coming to and reacting to each moment in time. To learn something and then make a decision is how we do things and it is wrong to deny this. That does not mean that God must operate the same way.