The rules are within the Christian, the Holy Spirit wrote them on the minds and placed them on the hearts of those truly born again. The Christian in their heart wants to obey God.
I want to take this idea in our hearts and minds we have the law. Jesus called us to be His people, heart, mind and soul, yet the church seems to find it very hard to walk correctly. So I do agree the Lord transforms us within, but we can sear our consciences and become hypocrites, or be humble and learn to walk. It is a complex mixing of all the influences and obedience do we begin to gain an insight. In my experience when you feel someone elses pain, when you laugh when they laugh, cry when they cry you begin to understand empathy.
A strange contradiction, we have the law within us but cannot keep it and stay in rebellion. Not exactly a successful formula. But what you actually want to do is junk scripture. But you cannot except by saying you have a perfect spirit and sinful soul, which again is simply disowning your humanity and denying the purpose of grace, to redeem everything.
You talk as if there is a formula, but as with all relationships it has many layers. Now I can only speak about myself, and I know to walk in the Spirit is to walk in life. Rather than overcomers you suffer from the fear of legalism and wish to banish it from the world when it is your history and shadow and failing. The Lord is the Lord of rules, commands, exhortations, encouragements, rewards, blessings. You want the rewards and blessing without the righteousness, which is the desire for winning a race without partaking in the struggle.