God's adoption of his children is done in the same manner as we adopt children today. First process is to select the child, as God did in selecting his elect children in Eph 1:4. Second process is to pay the price for the adoption of God's elect, which Christ did on the cross, in John6:39. Third process is when the child is taken home, as Jesus will do when he comes back to gather together God's elect and take them home.
You pretty much laid it all out here. It is okay to call ourselves saved but we realize there is a finishing component to take place, our immortality. God calls the future, and so should we. That is how He can call things that are not as though they were. If we have the Holy Spirit we will not seek to live in sin, and the fruits of the spirit will show in our lives. It all still rests on faith that God will perform His finishing task, at the resurrection.