It really is just semantics. If your conversion was real, and you don't return to the ways of unbelief, sin, you are walking as a saved man. It is just that there is a judgement coming up wherein all men will be shown exactly what they really are...lovers of, or haters of God. I won't say I am "saved" till after that day. There is plenty of work to do before I breathe my last, so must "endure till the end" to warrant that promised eternal life with God.