I don't believe it's opinion.
OSAS is not biblical and works are optional and have to be optional
"Genuine" faith? Only God knows who's faith is "genuine". As to obedience if it isn't a choice, separate from faith, then it's something else.
Agree re: OSAS.
Disagree that works are optional to genuine faith and relationship with God. As I said, I see the original language of James2:17 making works an intrinsic part of genuine, so no works, then no genuine faith.
"Genuine faith" is terminology from 1Tim1:5 and 2Tim1:5. We are able to some degree to test ourselves re: the faith per 2Cor13:5, and since works are intrinsic to genuine faith, then to whatever degree, genuine faith is able to be seen, though I agree that God is the final judge.
Besides what I noted re: James2:17, obedience is likely where we will both agree and mainly diverge. Agree: You may be as staunch in your beliefs re: willing obedience to God as I am, but I doubt you are more so than I am.
Now the likely divergence and probably the main reason we will not reconcile our differences: I see Scripture at minimum making faith and obedience parallel (Rom10:16; Heb13:18-19) and appositional (Rom1:5; Rom16:26) and tied also with submission in Rom10 beginning with its specific mention in Rom10:3. I also see this tie as the logical necessity of 1John3:23a. IOW, if no obedience, then no faith, and if no faith, then no meaningful obedience.
Just one point of clarity if it helps: when I said works become natural through spiritual growth, it is not in the OSAS sense and Reformed sense of perseverance because when I said growth I was in basic agreement with your seeming views of the necessity of cooperative, willing faith-obedience for spiritual growth. When you mentioned Phil2:12-13 for example, I translate that more literally than most who IMO are holding back a bit due to all the faith vs. works controversies. The commanded verb in Phil2:12 literally means to accomplish by work and coupled with Phil2:13 it shows where the capacity to both will and "work" what pleases God - to accomplish our salvation by work - comes from - it comes from God and IMO these 2 verses are the epitome of cooperative faith-obedience-work with God in our salvation as His children already in Christ.
In reading and translating the Text, I have little to no concern about most of the arguments re: faith-alone vs. works and my original question to you re: being certain of what you said about works of law vs. works was legitimate.