To me salvation is never based on your individual sins being forgiven, but rather Adam's sinful nature that is now no longer present in one that believes.
For me it is the personal accountability that exacts the most change. I know I am a sinner. But I would assume just like all the different gifts given, this is a personal experience also.
Romans 8:26 Likewise the Spirit also helpeth our infirmities: for we know not what we should pray for as we ought: but the Spirit itself maketh intercession for us with groanings which cannot be uttered.
Romans 8:27 And he that searcheth the hearts knoweth what is the mind of the Spirit, because he maketh intercession for the saints according to the will of God.
Romans 8:28 And we know that all things work together for good to them that love God, to them who are the called according to his purpose.
Romans 8:29 For whom he did foreknow, he also did predestinate to be conformed to the image of his Son, that he might be the firstborn among many brethren.
But there has to be a reason for "the books"
2 Timothy 2:19 Nevertheless the foundation of God standeth sure, having this seal, The Lord knoweth them that are his. And, Let every one that nameth the name of Christ depart from iniquity.
2 Timothy 2:20
But in a great house there are not only vessels of gold and of silver, but also of wood and of earth and some to honour, and some to dishonour.
2 Timothy 2:21
If a man therefore purge himself from these, he shall be a vessel unto honour, sanctified, and meet for the master's use, and prepared unto every good work.
Romans 8:30 Moreover whom he did predestinate, them he also called: and whom he called, them he also justified: and whom he justified, them he also glorified.
Romans 8:31 What shall we then say to these things? If God be for us, who can be against us?
Romans 8:32 He that spared not his own Son, but delivered him up for us all, how shall he not with him also freely give us all things?
Romans 8:33 Who shall lay any thing to the charge of God's elect? It is God that justifieth.
Romans 8:34 Who is he that condemneth? It is Christ that died, yea rather, that is risen again, who is even at the right hand of God, who also maketh intercession for us.
Romans 8:35 Who shall separate us from the love of Christ? shall tribulation, or distress, or persecution, or famine, or nakedness, or peril, or sword?
Romans 8:36 As it is written, For thy sake we are killed all the day long; we are accounted as sheep for the slaughter.