There are countless long threads on this site about this topic. Seems a new one pops up at least once a week.
And you're in the BDF. Asking for no arguing, or even minimal arguing, is completely pointless. All the existing threads on this topic are nothing but arguments.
I am happy to find out that the other threads on this topic are mere arguments so that I do not need to spend time perusing them. Instead I will share the result of my study of Scripture:
Christians need to understand that salvation has three stages or time components. They were saved from ultimate hell at the moment of deciding to accept Jesus as Lord (EPH 1:13, RV 3:20), they are (being) saved or perfected morally while remaining loyal to Jesus (JM 1:3-4), and they will be saved bodily on the day of resurrection (ZCH 14:1-9, 1THS 4:16, cf. 1CR 15:35-55).
The spiritual union between believers and Christ is comparable to marriage (EPH 5:23-32), and just as a husband and wife need to continue their commitment until they part at death, Christians also need to retain saving faith (LK 9:23, 2CR 4:16) as they grow spiritually, learning how to become more like Christ or achieve His fullness.
Saying we “need” perseverance prompts this question:
Is it possible for a Christian to repudiate his/her saving faith and become apostate or again bound for hell? Before seeking to answer this question, we should remember that although perseverance is an implicit part of the creed, understanding the details of this or any doctrine is not necessary in order to remain saved, because the
kerygma is simple enough for a young soul to understand (cf. MT 18:3), and didachaic details can become rather complicated and controversial.
There are numerous verses in the NT which indicate that it is possible for a believer intentionally or willfully to separate him/herself from Christ (cf. GL 5:1 & RV 12:9). The classic passage that teaches the possibility of apostasy is Hebrews 6:4-6: “It is impossible for those who have… shared in the Holy Spirit… if they fall away, to be brought back to repentance, because to their loss they are crucifying the Son of God all over again.” Another verse in this vein is Galatians 5:4: “You who are trying to be justified by law… have fallen away from grace.” (Also see RM 11:22, 1CR 15:2, CL 1:22-23, 2THS 1:4-5, 2TM 2:12, HB 3:6&14, 10:35-36, JM 1:12, 2PT 1:10-11, 2:20, 1JN 2:24-25 and RV 2:10.)
(I can post these Scriptures for consideration if y'all want me to do so. :^)