I apologize for posting -- this is not debatable in my viewpoint and I should have stayed away from the subject. For me, John 3:16 is valid. "...whosoever believeth..." and requires no legalistic parsing. As Christ answered those who used legalism as a weapon, "Ye do err, not knowing the Scriptures, nor the power of God." I have been saved through God's grace and I do not doubt His ability to do so.
If I must defend my position, I would use Saul. Why, if he were predestined, elected, chosen, whatever word a Calvinist would use -- why was his conversion experience necessary? And, that question is rhetorical -- no need to respond.
Thank you for your patience.