Thank you to all who have contributed to this discussion. It has prompted me to give the subject even more thought, and for that, I am grateful. This is my conclusion.
One primary reason for misunderstanding the plan of salvation is equating it solely to being born again. While this certainly is required for salvation, it is simply the beginning. After being born again, Christians must stand firm (Ro 5:2; 11:20; Heb 3:14-4:11), work out their salvation with fear and trembling (Php 2:12), produce fruit (Mt 7:19; Lk 13:6-9; Ro 7:4), etc. This is, in part, why Peter declares in Ac 15:11 that “… we believe [present tense] that we will [future tense] be saved through the grace of the Lord Jesus, just as they [the Gentiles] will [future tense].” Peter’s statement is in keeping with what James writes in his letter, asking the ever-so poignant question concerning faith without works: “Can that faith save him?” (Jas 2:14). It is no accident that in the previous two verses James tells us: “Speak and act as those who are going to be judged [future tense] by the law that gives freedom, because judgment without mercy will [future tense] be shown to anyone who has not been merciful. Mercy triumphs over judgement.” A faith, as for instance in v. 16, that speaks, “Go in peace; keep warm and well fed,” that is not accompanied by actions/works to meet these physical needs will not save him!