I don't understand why God can't be accepted on His own terms, instead of those terms being hammered at and pulled apart by our humanness until they are unrecognizable.
It is simply that we were created to live with God in a sinless way, and Adam pulled sin into our lives so God created a way for us to be sinless by giving His Son to pay for our sin. We can accept that and live through Christ. But we have to give our will to Christ, and it is a will to be sinless.
So why not just ditch all that about whether you work for forgiveness or not, and let Christ do the work of that. And ditch the wondering if you should or shouldn't work, and just accept you are righteous through Christ and will to remain that way. Paul tells you about that in Romans 7: 14=19.