protestants like to say they are saved, end of discussion. catholics say you have to work out your eventual salvation... but if you look closer, they are willing to say salvation is both an event and a process. i dont think it's very standard for a protestant to say salvation can be a process?
i think the way to look at this is simply by looking at the question of 'being forgiven'. when we pray the our father, we ask as christians to be forgiven. we dont say 'thank you for forgiving me'. it's a very basic idea of repentance that's foundational... for that foundation to be off would be a wild accusation.
it's also worth noting, that the bible often talks about falling away and such. like the parable of the seeds and how jesus said some start to grow only to later wilt due to worldly concern. only some seeds grow to maturity.
it's also worth tying the 'assurance of salvation' and 'once saved always saved' ideas to the idea of salvation.
-the bible says you can know you are saved, but given all the other examples where it says you can fall away, i would say that knowing one is saved is a special gift for a special person. jesus did say 'not everyone who says to me lord lord will inherit the kingdom, but only those who do the will of the father'. it's a lot to read into this that you can't know you are saved, but we have to at least remember that acknowleding jesus as lord is not enough. i think we can all agree that just thinking you are saved isn't enough? it does get into murky territory but there's always a hypothetical mass murderer who is pathologically propensed to think he is saved.
-also, i think free will is such that a person can always loose their salvation for practical purposes, but for practical purposes some people can know they are saved, and always will be saved, practically.
to tie into this near death experience philosophy, a person can be loved unconditionally, and in that sense they are always saved, but a person still must face the consequences of their actions. like a mother unconditionally loves her children, she also must let them face their own consequences and actions. it's like near death philosophy says, we go to where our vibration permits. if we have a low vibration, out soul can be saved by becoming a genuine christian. that's all that's necessary. because you will grow into higher vibrations and god has your back. if your words are empty, you wont grow into higher vibrarations. there's a question about whether hell is eternal given near death philosphy, and most of those guys like to say hell is a prison. i think we can all agree that an eternal hell is possible given our free will, but we have to wonder the open question of if hell is eternal for practical purposes. it very well could be, or maybe not. it is central that hell does exist though. only one percent of NDEs are hellish, and they usually just consider that it was a learning experience. a wake up call.
it's interesting that 'once saved always saved', ties into salvation like that. just like how it's intersesting that 'atonement' ties into the 'justification' and salvation ideas. and lately i've been incorporating NDE philsophy as well.