In my study of the scriptures I fail to find "via the word" anywhere connected with regeneration scriptures. You are squeezing that in to make it fit your necessity of obeying the gospel to get eternal life. Your efforts to apply all salvation scriptures as eternal salvation is why you have to make it necessary to obey the gospel. Obedience to the gospel delivers us here in time, but not eternally, eternal deliverance is by the sovereign grace of God, without mans efforts.
You said that faith and repentance were gifted to those dead in sins at the moment of regeneration. Your own words my friend.
Now, what is faith? Now faith is the assurance of
things hoped for, the conviction of things not seen.(Hebrews 11:1) It is also a fruit of the Spirit per Galatians 5:22. It being a fruit shows that those who have this very faith have the Spirit of God living within them.
Then we read...
Therefore, having been justified by faith, we have peace with God through our Lord Jesus Christ,(Romans 5:1)
So, what exactly does it mean to be justified my friend? From Mounce’s Reverse-Interlinear, justify is...
δικαιόω (dikaioō)
pr. to make or render right or just; mid. to act with justice,
Rev. 22:11; to avouch to be good and true, to vindicate,
Mt. 11:19;
Lk. 7:29; to set forth as good and just,
Lk. 10:29;
16:15; in NT to hold as guiltless, to accept as righteous, to justify,
Rom. 3:26,
30;
4:5;
8:30,
33; pass. to be held acquitted, to be cleared,
Acts 13:39;
Rom. 3:24;
6:7; to be approved, to stand approved, to stand accepted,
Rom. 2:13;
3:20,
28
To be justified means they are declared righteous, to stand before Him in an innocent state as if they have never committed a sin in their life. So if they have faith, they are righteous before God via the imputed righteousness of Jesus Christ.
As Paul so wonderfully wrote 17 Therefore if anyone is in Christ,
he is a new creature; the old things passed away; behold, new things have come. 18 Now all
these things are from God, who reconciled us to Himself through Christ and gave us the
ministry of reconciliation, 19 namely, that God was in Christ reconciling the world to Himself, not counting their trespasses against them, and He has committed to us
the word of reconciliation.
20 Therefore, we are ambassadors for Christ, as though God were making an appeal through us; we beg you on behalf of Christ, be reconciled to God. 21 He made Him who knew no sin
to be sin on our behalf, so that we might become the righteousness of God in Him.(2 Cor. 5)
Now, where does faith come from? So faith
comes from hearing, and hearing by the word of Christ.(Romans 10:17) You stated faith comes when one is regenerated, and I also agree. Yet, it comes by hearing the word of Christ, the gospel of the Lord Jesus Christ.