Unfortunately, you still misunderstand Scripture. What you believe is a "works salvation" system, even if you don't recognize that.
Actually, what I believe is a "Works for Rewards" system, even if you classify it differently. I believe the following equation:
Salvation = Justification + Sanctification + Perseverance. Justification and Perseverance are purely gracious/unmerited/monergistic. Therefore, Salvation as a whole is a Purely Gracious unearned or unmerited gift.
Sanctification, which happens after Justificaiton, is Synergistic, and Earns Merits/Rewards in Heaven, the Heavenly Treasures the Lord told us to store. This is merited. Salvation as a whole is not, but neither is it given instantaneously.
At the very MOMENT of saving faith (believing in Jesus for salvation), the believer possesses eternal life. John 5:24.
Yes, he passes from the state of death (original or deadly sin) to the state of grace or supernatural life. Then, if he "sins unto death" (1 Jn 5:16), he loses that state of grace or life and returns to the state of death. If he confesses and repents, he can return to life - this is what David the King did btw when, after being justified in his youth, he later sinned by adultery.
And Jesus said He is the One who gives eternal life and the result is that they shall never perish. John 10:28
That's a non sequitur. Jesus didn't say everyone who once receives eternal life, i.e. justification will never lose it. Rather, Jesus said a particular group of people will both be given eternal life and never perish, i.e. justification and perseverance.
If you're given the gift to board a flight, you are on the Path to Salvation. If you safely remain in that flight till death, you will be saved. If on the other hand, you deliberately eject yourself from that flight, which you are free to do, you'll be lost.
Your views do not line up with what Jesus taught. All the verses you have quoted do NOT say or even suggest that salvation can be lost. Or that there is more to salvation than simply believing in Jesus Christ for salvation.
Hebrews 10 alone is sufficient to refute that claim. Here are 3 Proofs from that Single Chapter against your claim.
1.
"28 Anyone who has rejected Moses’ law dies without mercy on the testimony of two or three witnesses. 29 Of how much worse punishment, do you suppose, will he be thought worthy who has trampled the Son of God underfoot, counted the blood of the covenant by which he was sanctified a common thing, and insulted the Spirit of grace?"
Those who rejected Moses' law suffered the ultimate temporal punishment of worldly death. This verse says those who apostatize from Christ, after being sanctified by the Blood of the Covenat will suffer worse: that is, eternal punishment.
2.
"Now the just shall live by faith; But if anyone draws back, My soul has no pleasure in him.”
Again, the Lord has no pleasure in those who draw back. Why? Because:
"I take no pleasure in the death of the wicked" (Ez 33:11). What follows from this? That those who draw back suffer "the death of the wicked" which means they are lost.
3.
"39 But we are not of those who draw back to perdition, but of those who believe to the saving of the soul."
Those who draw back, or apostatize from Christ, do so unto perdition. Therefore, those who do this are not saved anymore.
Even those who believe in Calvinist OSAS don't say apostates are still saved. Your theory says they are. Heb 10 disagrees.
God Bless.