I guess you mean by COME SHORT of IT, means No Grace at ALL, thinking they can be good enough, to deserve heaven.
I do not remember if I told you, how come I came to Believe wholehearted in OSAS Theology. It was because of my personal experience of being SAVED after 3 attempts at suicide the last week of 1977. Prior to that I was just a church-goer and a proud Lutheran, thinking my infant Baptism meant I was saved. NOT EVEN CLOSE, went to church regularly, had the whole order of service Memorized, day-dreamed through Every Sermon, was PROUD the I went to Lutheran Service Volunteers (summer camp at the Lutheran College), was an Acolyte (Altar Boy) another source of pride, ETC. I was A LUTHERAN, LUTHERAN, NOT A Christian Lutheran.
Two nights I had a Pistol against my TEMPLE, with the Trigger half PULLED; the IMMENSE TERROR I FELT at the MOMENT, was strictly because I KNEW BEYOND A SHADOW OF A DOUBT, I was about to walk into Hades/Hell, if I finished pulling that trigger.
After weeping for hours, "Forgive me LORD", over and over again, even during the Dream or Vision, where AT HIS CROSS, I felt HIS WARM blood fall on my Forearms as I reached up to HIM from my KNEES. I felt the Holy Spirit come into my HEART (Human Spirit), and CHANGED my HEART FOREVER. I KNEW IT WAS REAL. I KNEW HE INSTANTLY MADE MY HEART TRUST HIM TOTALLY, FOREVER. I KNEW HE HAD A PLAN FOR MY LIFE. IT WAS A COMPLETE SURRENDER TO HIM, OUT OF INTENSE LOVE FOR HIM. And I think one of my PRIMARY Spiritual Gifts was that TOTAL TRUST IN HIM. It is FRESH IN MY MIND, and YES I AM SMILING, as I type this.
THE Church I grew up in, NEVER TAUGHT BORN AGAIN, NEVER TAUGHT THAT TOTAL TRUST IN HIM WAS POSSIBLE, IT ALL HAD TO COME FROM THE HOLY SPIRIT. There is a CHANGE in the HEART, that NEVER FADES. I AM NOT MY OWN, I HAVE BEEN BOUGHT WITH A PRICE.
HE WILL NEVER, LET GO OF ME! AND I KNEW THAT FROM THE VERY BEGINNING, that night of my Third attempt at Suicide. I HAD THE OPPOSITE INTENSE FEELING OF KNOWING THAT I WAS GOING TO STEP INTO HADES/HELL, a couple Days EARLIER, if I finish Pulling that Trigger. It is VERY REAL, so VERY REAL!
Romans 8:30 (HCSB)
30 And those He predestined, He also called; and those He called, He also justified; and those He justified, He also glorified.