The teaching that knowledge saves or enables one to be saved is a core element of gnosticism. I hope you are not a gnostic. I don't believe you are. I think you are just confused and grasping at anything to buttress your man-centered view of salvation.
Scripture does not say that faith is "simply believing God's word."
[Heb 11:1 ESV] 1 Now faith is the assurance of things hoped for, the conviction of things not seen.
I disagree, faith is being persuaded that what God has promised, he is able to perform.
Rom 4:21 And being fully persuaded that, what he had promised, he was able also to perform.
22 And therefore it was imputed to him for righteousness.
It is simply believing that God is honest. He keeps his promises, and he is able to keep his promises.
Heb 11:11 Through faith also Sara herself received strength to conceive seed, and was delivered of a child when she was past age,
because she judged him faithful who had promised.
Faith is a judgment, it is judging that God is honest and trustworthy and keeps his promises.
You could be the biggest thief in town and a compulsive liar. You could be the most untrustworthy person in your state, yet you still have the ability to trust your mother when she promises you she will visit you in prison this week.
Saving faith is simply relying on Jesus to save you as he promised he would if you trust him. Jesus himself compared it to looking at the brass serpent placed on a pole by Moses. Every man who was bitten, if he would simply look to that brass serpent would be healed. It is not our faith that heals, it is Jesus that heals, but we must look to him to be saved. That is what my signature verse Isa 45:22 says.
Isa 45:22 Look unto me, and be ye saved, all the ends of the earth: for I am God, and there is none else.
It is nonsensical for a regenerated man to hear the gospel and believe, because he is already regenerated as Spurgeon said. This is also what Jesus himself said;
Mat 9:11 And when the Pharisees saw it, they said unto his disciples, Why eateth your Master with publicans and
sinners?
12 But when Jesus heard that, he said unto them,
They that be whole need not a physician, but they that are sick.
Someone who is well does not need a doctor, but someone who is sick. Likewise, a regenerate man does not need to hear the gospel and believe it, he is already spiritually alive, he is healed, he is saved.
Calvinism teaches that only a regenerate man can believe. This is akin to believing that a man must be physically healed before he could come to Jesus for healing. If he is already healed, he does not need healing.
Jesus said the dead could hear his voice, and those that hear shall (future tense) live.
Jhn 5:25 Verily, verily, I say unto you, The hour is coming, and now is, when
the dead shall hear the voice of the Son of God: and they that hear shall live.
Calvinism teaches that only the living (regenerate) can hear the words of Jesus, but Jesus said "the dead" can hear his voice, and those that hear shall live.
Calvinism is error.