I notice you use the word saved in it's past tense form. How is that possible when it can still be lost?
The same way the bible writers say, now you are clean from the sins of this generation. But a warning is to you, remain clean or you will suffer the consequences.
The Lord says you are saved, but, now be a new person in me and be engaged in my great work, and bring much fruit into the KOG.
If you lapse, God will prune and purge you to help you become fruitful again, if you continue to lapse, and even fall further without repenting, you will be cut off of the true vine and taken away. (John 15:2) It is Jesus that uses the words "cut off", these are not my words.
So how do we reconcile John 15: 2 and most of James and many other scriptures to John 3:16? Here is how I reconcile these scriptures. Jesus says that God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life.
I am under the understanding that if a person believes, the these things happen:
1) they will recieve the baptism of the Holy Spirit
2) they will receive a new person in Jesus
3) they will be guided by the Holy Spirit to do what the Lord wants them to do
4) they will be guided by the Holy Spirit to engage in the great work of the Lord to save souls, bringing many souls to God and then they can have the Holy Spirit guide them too in their new person.
To me, if you really believe, and you are really born-again, and you really are a new person in Christ, the being engaged in the great work of the Lord is a pleasant by-product, or a pleasant sign that these things have happened to you.
So if we see the sign, we know you are with the Lord. If we do not see the sign, we know you are not with the Lord, and one of two things have happened.
1) you did not really believe, and were not really born-again.
2) you have fallen, and are not listening to the Holy Spirit and unless you repent, you will not have EL. I believe that a person will not receive EL unless they really believe and the sign of really believing is to be engaged in the great work of the Lord.
So when the Lord say if you believe you will have EL, you must really believe, not fake it.