Yes, 'faith' does get more specific- 'The Faith'- which is more than belief in God or belief that He will help you throughout your christian walk, it means belief in, and the practice of, His doctrine- which is the new testament- which includes belief, baptism, confession, repentance, and the whole kit and kabootle.
Don't confuse saving faith in Christ (Ephesians 2:8) which is (belief, trust, reliance in Christ as the ALL-sufficient means of our salvation) with the whole body of truth contained in the scriptures and make up the Christian faith and sets it apart from false religions and cults.
Your whole kit and kabootle 4 step plan of salvation equates to salvation through faith in Christ plus works. Repentance precedes saving belief in Christ. We must first repent "change our mind" before we can believe the gospel and become saved. (Two sides to the same coin). Repentance is not merely moral self-reformation with follows faith. Confessing with our mouth that Jesus is Lord and believing in our heart that God raised Him from the dead are (not two separate steps to salvation, but are chronologically together).
Romans 10:8 - But what does it say? "The word is near you,
in your mouth and in your heart" (TOGETHER) that is, the word of faith which we are preaching,
(notice the reverse order from verse 9 to verse 10) - that if you confess with your mouth that Jesus is Lord, and believe in your heart that God raised Him from the dead, you will be saved; 10 for with the heart one believes unto righteousness, and with the mouth confession is made unto salvation.
Confess/believe; believe/confess. *NOT TWO SEPERATE STEPS TO SALVATION BUT CHRONOLOGICALLY TOGETHER.*
Water baptism FOLLOWS saving belief/faith in Christ (Acts 10:43-47; 11:17,18; 16:30-34). By reversing the scriptural order of repent and believe and turning faith and confession into two separate steps to salvation, along with adding water baptism to the formula of salvation through faith (and basically defining faith as your 4 step plan of salvation) you have crossed the line into salvation by faith PLUS WORKS. Through bad semantics and flawed hermeneutics, you are trying to "shoe horn" works "into" salvation through faith.
What it all boils down to is that only Christ's blood saves a person from their sins, but these things lead you to Christ's blood. You cannot be saved by one of these things alone, not even by faith alone. And all of these things require obedience, including faith.
We are not saved by faith alone "IN THE SENSE" that we never repented, but still have faith or that the word of faith is in our heart, but not in our mouth or that faith remains "alone" -- (barren of works). That is not what is meant by salvation through faith (rightly understood) in Christ alone. We are saved the moment that we
place our (faith belief, trust, reliance) in Christ alone for salvation BEFORE water baptism. Those who have done so have already repented in the process of changing their mind and choosing to trust in Christ as the ALL-sufficient means of their salvation. Also, for the believer, the word of faith is in their mouth and in their heart TOGETHER so confession is already covered. This all precedes water baptism.
Our obedience, whether by faith or by works, CANNOT earn salvation (Christ's blood- which is God's grace), therefore we can obey to max effort and still grace will be a gift, because it's not that obedience won't be accepted as payment for our own sins- it's that it can't. So since God chooses some people and not other people to give grace to, it is up to him what that deciding factor will be. There are a billion deciding factors He can choose from- all of which cannot earn grace. But the deciding factor He has chosen He let us know so that we can receive the gift. His deciding factor is those who obey Him with all their heart. This is confusing to many because we go to work and our efforts earn a paycheck. We expercise to a long workout and we earn fitness.
Are you trusting in Christ's finished work of redemption as the ALL-sufficient means of your salvation OR are you ALSO trusting in your "best efforts to obey Him with all of your heart" as a supplemental means to receiving salvation as well? -- That's works. We have
access by faith into grace.. (Romans 5:2)
Not faith
plus baptism or faith
plus works.
Our efforts in this life do earn us may things. So it is hard to grasp the concept that we can work to obey God with all our mite, and still grace has to be a gift, but that He won't give it to those who don't even try to obey Him. Obedience does not earn it, but He chooses to give it to those who obey, and not to give it to those who don't obey. Even faith (simple belief) is obedience. It is impossible to not obey God and receive His grace.
Obedience does not earn the gift, but we must obey Him in order to receive the gift is an oxymoron if you are talking about works of obedience which follow saving faith in Christ. The act of obedience that saves is choosing to believe the gospel by trusting in Christ's finished work of redemption as the ALL-sufficient means of our salvation (Romans 1:16; 10:16). If we are trusting in Christ
plus our acts of obedience/works to save us then we are not trusting exclusively in Christ to save us. Prior to my conversion, I grew up in the Roman Catholic church and had temporarily attended the church of Christ, so I understand where you are coming from. Been there, done that, but now I trust in Christ alone for salvation. The blinders are gone.