Heavenly Pilgrim said:
Works are thought of in two not one sense: ‘That for the sake of’ and ‘not without which.’ Our faith is NOT the grounds of our salvation, but we will not be saved apart from our exercising of faith.
Faith indeed involves an act of the will just the same as any and every work.
There is a sense in which faith is NOT a work, and there is a sense in faith IS a work. Just because you point to one sense in a singular passage, indicating that our salvation is not by works, does not necessitate the idea that faith in another sense is not a work and as such required by God for man to enact it in order for salvation to be made effective in our lives. “Faith without works is dead being alone.’”
Let me see if I can explain how I see the way faith, works, justification, and salvation fit together.
I will stick with "faith is not a work" although I agree with your statement that it is an exercise of my will. I think Paul sees "works" as religious activities that in same way appease a diety or earn our favor with it. All religions have these at the core of their teaching. Only true Christianity is free from it.
I see James as teaching about justification in a different sense than being declared righteous the way Paul uses the term. So I don't see works being used in two senses but rather justification being used in two ways. I am justified by my faith the same way God was justified.
"And all the people that heard him, and the publicans, justified God, being baptized with the baptism of John." Luke 7:29
James is trying to show people that you just can't say you are saved and not have it change your life.
Furthermore, Paul was teaching the Galations that they would not be justified by keeping the law. I think he was telling them that one does not prove himself to be a Christian by keeping the law. He addresses them as brothers and acknowledged that they had started in the flesh and were now trying to be made perfect in the flesh. I think he is addressing their desire to do works to win favor with a God that rewards those who love him and seek him by faith.
"But without faith it is impossible to please him: for he that cometh to God must believe that he is, and that he is a rewarder of them that diligently seek him." Heb. 11:6
"For in Jesus Christ neither circumcision availeth any thing, nor uncircumcision; but faith which worketh by love." Gal. 5:6
Also, I do not see much of a distinction between faith in God and repentace toward God. They are kind of like two different sides of the same coin.
I believe in "ONEconditional election" that being faith. Works has nothing to do with getting me saved or keeping me saved. We are saved by grace through faith and are kept by the power of God through faith.