Kaycee, you are soooooo close to finally understanding the truth, so close.
Salvation is based on God’s grace alone and our response to this grace is a faith working in love.
I think I see the problem why you seem to be missing the mark by that much.
When you quote scripture, you are using verses that sound very convincing by themselves, but when taken in context with the whole chapter, or the whole book, they are not saying what you lead other Christians to believe.
Have you ever tried to read a whole book of the bible at one setting before, I find that helps me.
I find that reading the bible one verse at a time, can lead me astray.
I have the bible on CD and will listen to a book up to 5 times in one sitting trying to under the context of the whole book.