Huh? And all of those things you stated, if necessary, would be works that are in opposition to the woks of Saviour that God provided.
Consider there cannot be mercy and grace without election, otherwise it is work.
If you believe anything is needed on your part in order to be saved, then you take away from the offering of Christ.
Adding to the one side, is taking away from the other. Besides, without having a renewed mind and spirit, no one will/can choose the salvation that Christ brought to fruition - they will choose their own works instead
So, you don't believe that Christ's offering was fully sufficient, in and of itself?