Did the death of Jesus on that Cross atone for all of your sins?
Jesus' death atoned for the Sin of man (the sins of human being, i.e., mankind). Man is reconciled, therefore we plead that men will be reconciled.
So to sum things up -
You believe that Jesus paid the debt for your sins...but not really because you are still guilty at birth.
You believe that those who are elect were so from the foundation of the earth...but not really because they are born destined for Hell.
You believe that our sins were "atoned for" at the Cross.....but not really because we are born still in our sins.
You believe that our salvation was accomplished at the Cross.....but not really because we still have to receive this salvation.
I talk my previous comment back. You definitely sound like a Calvinist.