IMO, concerning your detailed questions,
@Genez has the best explanation.
We are all offered the choice of believing in the Lord Jesus Christ for eternal life( I believe at all times, anywhere and everywhere.) And His Grace Separates our flesh and soul to make an informed and unbiased CHOICE.
2 Cor 6:2
For He says: “In an acceptable time I have heard you, And in the day of salvation I have helped you.” Behold, now
is the accepted time; behold, now
is the day of salvation.
Heb 4:12
For the word of God is living and active, and sharper than any two-edged sword, even penetrating as far as the division of soul and spirit, of both joints and marrow, and able to judge the thoughts and intentions of the heart.
Genez gets a bad rap, he is one of the most spiritually mature Christian I have seen on any forum.......That doesn't mean "nice." That means he has Bible doctrine in his soul and applies it.