In regard to 1 Corinthians 13:13, Paul uses hyperbole about understanding ALL mysteries and ALL knowledge and having faith that can move mountains yet having NO love, but Paul is not using hyperbole about the importance of love. Faith works through love (Galatians 5:6), but we are saved through faith, not faith "plus love/acts of charity."Jesus said that only those who endure all forms of persecution, "but remain faithful to the end" will be saved. What does His statement imply about "instantaneous and irreversible?" Paul said it does not matter how much faith you have. If you don't have love, your faith is just noise. How does that play into your theology? Can you have "saving faith" without love?
Love is the greatest quality between faith, hope and love (1 Corinthians 13:13) because God is love and it outlasts faith and hope. Long after the "evidence of things not seen" (Hebrews 11:1) are now seen and we are no longer looking for the "blessed hope" - (expectation of what is sure) and glorious appearing of our great God and Savior Jesus Christ (Titus 2:13) because we are now in His presence, love will still be the principle that governs all that God and his saints are and do throughout eternity in the new heaven and new earth.
Paul is not teaching that even if our faith is genuine that our faith cannot save us without producing "enough" love/acts of charity which culminates in salvation by works. Paul is stressing the importance of love, not teaching that faith in Christ is insufficient to save us without the merits of our best efforts to love.
All who are truly born again have love. Why? Because we (believers) have received the love of God in our hearts by the Holy Spirit who was given to us (Romans 5:5) when we believed the gospel (Ephesians 1:13). We love Him because He first loved us (1 John 4:19). 1 John 4:7 - Beloved, let us love one another, for love is of God; and everyone who loves is born of God and knows God. 8 He who does not love does not know God, for God is love.