I agree, and to this I would add, "most wholeheartedly".
However, it seems that between the two of us, how we put together the pieces and harmonize them, is entirely different.
When you assemble the pieces, it appears that you're coming up with a co-operative effort on the part of men to acquire something that Scriptures tells us is strictly a gift ( Romans 6:23 );
When I put them together, I end up with an operative effort begun and finished by the Lord alone, have nothing to stand on except His mercy and grace, and I didn't just come to His table with empty hands... I was
brought to His table completely bankrupt, blind, deaf, poor and naked;
A destitute and willfully rebellious sinner in desperate need of His grace, which was a gift dropped into my lap when I wasn't even looking for it.
I will simply observe that this view strains the natural meaning of Romans 3:21-26. Why does Paul not simply express salvation in the terms you give above? He says that the gift is "unto all and upon all them that
believe" rather than "unto all and upon all them that God chooses." You say my view appears to represent a cooperative effort on the part of men to acquire salvation, which requires the basic assumption that saving faith represents works. But Paul says faith is NOT works, right? Faith is not effort, it is choice. A rough analogy: a man with severe pain in his side is told he has appendicitis, and that without an immediate appendectomy he will die; if he believes the diagnosis and allows a surgeon to remove the infected organ, is it accurate to characterize his deliverance from death as a "cooperative effort"? Extending the example a bit, what would be thought of that surgeon walking through a hospital with ten similarly afflicted patients and choosing to operate on only two of them? I confess I have great difficulty reconciling such a view with the compassion of Christ revealed in the Word.
Matthew 8:16 When evening had come, they brought to Him many who were demon-possessed. And He cast out the spirits with a word, and
healed all who were sick...
Matthew 14:14 And when Jesus went out He saw a great multitude; and
He was moved with compassion for them, and healed their sick.
Matthew 19:2 And great multitudes followed Him, and He healed them there.
Matthew 21:14 Then
the blind and the lame came to Him in the temple, and He healed them.
Matthew 12:15 But when Jesus knew it, He withdrew from there. And great multitudes followed Him, and
He healed them all.
Mark 6:56 Wherever He entered, into villages, cities, or the country, they laid the sick in the marketplaces, and begged Him that they might just touch the hem of His garment. And
as many as touched Him were made well.
Mark 3:10 For
He healed many, so that as many as had afflictions pressed about Him to touch Him.
Luke 4:40 When the sun was setting, all those who had any that were sick with various diseases brought them to Him; and He laid His hands
on every one of them and healed them.
Luke 6:19 And the whole multitude sought to touch Him, for power went out from Him and
healed them all.
Luke 5:17 Now it happened on a certain day, as He was teaching, that there were Pharisees and teachers of the law sitting by, who had come out of every town of Galilee, Judea, and Jerusalem. And the power of the Lord was present to heal them.
Luke 9:1 Then He called His twelve disciples together and gave them
power and authority over all demons, and to cure diseases.
Luke 9:11 But when the multitudes knew it, they followed Him; and He received them and spoke to them about the kingdom of God, and
healed those who had need of healing.