This is a good example of complicating the simplicity of faith. The problem with your argument is that you place repentance, confession and water baptism "after" faith and turn them all into works for salvation. Repentance actually "precedes" faith. Acts 20:21 - testifying both to Jews and to Greeks of repentance toward God and of faith in our Lord Jesus Christ *Notice the order. Repentance is a "change of mind" and the new direction of this change of mind is faith in Jesus Christ for salvation. *Two sides to the same coin. Confessing with our mouth that Jesus is Lord and believing in our heart that God raised Him from the dead are not two separate steps to salvation but are chronologically together. Romans 10:8 - But what does it say? "The word is near you, in your mouth and in your heart" TOGETHER that is, the word of faith which we are preaching, (notice the reverse order from verse 9-10) - that if you confess with your mouth that Jesus is Lord, and believe in your heart that God raised Him from the dead, you will be saved; 10 for with the heart one believes unto righteousness, and with the mouth confession is made unto salvation. Confess/believe; believe/confess. So, confession is a confirmation that Jesus is Lord, and one believes unto righteousness (which is why we will be saved if we confess) and is not a work for salvation after one believes unto righteousness. Water baptism "follows" believes in Him/salvation through faith. (Acts 10:43-47)
In Rom10:9–10, the centrality of heart-belief in the chiastic structure (the reason we see the reverse order) preserves the logical sequence believe -> confess, while highlighting the functional equivalence of belief and confession. The idiom of heart and mouth reflects full comprehension able to express and actually expressed outwardly, echoing Moses’ instruction in Deut30:14 to internalize and verbalize God’s word. Confession is not a work, because it is an integral facet of genuine faith. In Rom10:8-16, Paul presents at minimum: believing the Gospel of the resurrected Jesus Christ, faith in Jesus Christ, confession of Jesus Christ, and obedience to God’s Gospel concerning Jesus Christ as essential parts of genuine faith.
