This makes sense to me ... I think I may have discussed this with you before, not sure how far that conversation went but "saved" also is connected to the physical and the soul, not always saved (regeneration).
I would say a lot of what Paul writes is about the salvation of the soul.
When the writers of the epistles wrote they were addressing those whom they believed were an audience born from above, unless they are addressing an interlocutor as in the Book of James.
In this way scripture is not contradictory. Growing up in culture that uses "saved" many different ways I completely understand the expressive style.
"save" and cognates always has to be interpreted in context. It's a very basic word (e.g. save from drowning, from enemies, etc.) and then as you allude to, there are different aspects or phases to our salvation and different things being accomplished through the process until completed. I was surprised when I studied and taught it how little the entrance into salvation was being discussed in Scripture (where "salvation" is stated) and how much the discussion is looking through that entrance and into the process of being saved (aka progressive sanctification as it's called by some). IOW, more of the NC dealing with salvation words is focused on Christians growing up in Christ in Spirit than it is being born into Christ in Spirit.