We are saved by grace only (Eph 2:8, Jn 6:44), through Christ only (Acts 4:12, 1 Tim 2:5), through faith (Eph 2:8) working through love (Gal 5:6, 1 Cor 13:13, 1 Cor 13:2), apart from works (Eph 2:9) and apart from observing the law (Rom 3:28). If we have faith working through love (Gal 5:6), however, we have to keep God’s commandments (Jn 14:15, Mt 19:17) because that is what matters (1 Cor 7:19) and we will repent (Acts 3:19) but if we don’t, our faith is dead and useless (Jam 2:17, Jam 2:20, Mt 7:21, 1 Cor 13:2), and we will perish (Luk 13:3).
How’s that for a summary?
Edit - the verses, so you don’t have to look 'em up:
For by grace you have been saved through faith; and that not of yourselves, it is the gift of God; not as a result of works, so that no one may boast.
"No one can come to Me unless the Father who sent Me draws him; and I will raise him up on the last day.
"And there is salvation in no one else; for there is no other name under heaven that has been given among men by which we must be saved."
1 Timothy 2:5
For there is one God, and one mediator also between God and men, the man Christ Jesus
For in Christ Jesus neither circumcision nor uncircumcision means anything, but faith working through love.
1 Corinthians 13:2
If I have the gift of prophecy, and know all mysteries and all knowledge; and if I have all faith, so as to remove mountains, but do not have love, I am nothing.
1 Corinthians 13:13
But now faith, hope, love, abide these three; but the greatest of these is love.
For we maintain that a man is justified by faith apart from works of the Law.
"If you love Me, you will keep My commandments.
And He said to him, “Why are you asking Me about what is good? There is only One who is good; but if you wish to enter into life, keep the commandments.”
1 Corinthians 7:19
Circumcision is nothing, and uncircumcision is nothing, but what matters is (B)the keeping of the commandments of God.
Therefore repent and return, so that your sins may be wiped away, in order that times of refreshing may come from the presence of the Lord
Even so faith, if it has no works, is dead, being by itself.
But are you willing to recognize, you foolish fellow, that faith without works is useless?
Not everyone who says to Me, ‘Lord, Lord,’ will enter the kingdom of heaven, but he who does the will of My Father who is in heaven will enter.
"I tell you, no, but unless you repent, you will all likewise perish.