I don't like the first explanation, human free-will. Christ must draw everyone as it's impossible to freely know God.
I would also disagree with the second point, conditional election based on foreknowledge.
I agree with universal atonement, Jesus definitely gave His life for all. So anyone who calls on the name of Jesus will be saved.
Definitely agree with the fourth, resistible grace. You can resist prayer, resist church attendance, resist reading the scripture.
The Holy Spirit is gentle and the Spirit's influence can be resisted easily.
Strongly agree that people can fall away, it happens everyday of the week.