Hi Blessed07. I do not believe your conclusion is entirely biblically sound! Just take a few moments to reason on these following verses from the NASB.
Jesus said in Mathew 24:13: "But the one who endures to the end, he will be saved!" Surely this means a person's final salvation is not determined at the moment that he begins to put faith in Jesus, but only if he continues to do so, despite persecution. If he gave up during persecution and denied Jesus, how could he still be saved, because Jesus said, if you deny me, I will deny you! (Luke 12:8, 9)
Paul wrote in Philippians 2:12: "So then, my beloved, just as you have always obeyed, not as in my presence only, but now much more in my absence, work out your salvation with fear and trembling." If one does not work out their salvation with fear and trembling, instead is lukewarm and inactive, how can they be saved? After all, Jesus will vomit out those who are lukewarm! (Revelation 3:16) Surely, Paul was stating to them, not to be overly confident, but to realize that their final salvation was not yet assured.
Hebrews 10:26, 27, says: "For if we go on sinning willfully after receiving the knowledge of the truth, there no longer remains a sacrifice for sins, but a terrifying expectation of judgment and the fury of fire which will consume the adversaries." Surely, this clearly shows, the bible does not go along with the idea that no matter what sins a person may commit after he is "saved" he will not lose his salvation. It encourages faithfulness until the end of their life!
Hebrews 6:4-6, says: "For in the case of those who have once been enlightened and have tasted of the heavenly gift and have been made partakers of the holy spirit, and have tasted the good word of God and the powers of the age to come, and then have fallen away, it is impossible to renew them again to repentance, since they again crucify to themselves the Son of God and put Him to open shame." Paul clearly shows here, a person anointed with holy spirit can lose their hope of salvation if they do not remain faithful.
As regards Romans 8:28, 29, Paul wrote: "And we know that God causes all things to work together for good to those who love God, to those who are called according to His purpose. For those whom He foreknew, He also predestined to become conformed to the image of His Son, so that He would be the firstborn among many brethren" Yet, to these same ones, Peter wrote in 2 Peter 1:10: "Therefore, brethren, be all the more diligent to make certain about His calling and choosing you; for as long as you practice these things, you will never stumble." Now, if these individuals were predestined to salvation, they could not possibly fail, regardless of what they did. Since effort is required on the part of the individual to be saved. This verse must mean then, God predestined a group of people, "Christians" that would conform to the pattern set by Jesus Christ, not specific individuals. Then these ones must prove faithful if they are actually to attain the reward set before them, otherwise it does not make sense with the rest of the bible!