Who is your "looney little monk"? Because if you are referring to where I learn from, that's the Bible, not commentaries or whatever, and if you are calling the Holy Spirit a "looney little monk", well, be thankful you are in the "age of grace" as they say.
Well yes, I can understand what you write. You assert that faith + works = salvation. While the Bible itself teaches that if you have true faith, God gives us regeneration, and being changed, we go on to do the things that please Him.
For me, we are saved when we call out to the Lord. The works we then do show to ourselves and the world that we are born again. For you, we are saved when we call out to the Lord, and prove ourselves to Him with good behavior. As if God doesn't know our hearts until we do something, or don't do something, whatever the case.
For me, when God sees our real faith in Him, He gives us the right to become His children, and that is in fact salvation. Becoming alive in Him.
Do you really think that God doesn't know who His children are until they tick the boxes with their works? Do you really believe He can't tell?
Or is the truth in fact exactly what James wrote . . . I'll show you my faith by my works? Not God, you.
I can't over emphasize the importance for each word in Scripture.
Much love!