You equate your opinions with Scripture by stating, I don't adhere to man-made doctrines, only as to what the Bible teaches. For one, even Benny Hinn can make such an unqualified claim. And two, every Bible student is attempting to abide by, and rightly divide God's Word. No serious person claims to have it down. Therefore, by you rejecting any principle or tenet, from any other denomination, by claiming that it's man-made, and that you only subscribe to the Truth, makes it appear that you actually know the difference, unequivocally. Enough on that matter.
Again, yes, Atonement is the answer, every monkey knows that, but not every single person under the sun attains it. So, therefore, why the heck is it taking so long for you to expound on your flippin' understanding of Atonement?
I believe that no one has their name in the BOL, until they confess Jesus Christ as Lord and Saviour (please don't make me have to explain all the implications of this). I believe that once saved, one can lose their faith. Once lost, can they regain it, not that I'm aware of.
You can't be saved unless the Gospel of Christ is preached, and then you have to understand it, believe and confess it. And only when one dies, or Christ returns, will we know the status of one's salvation (because, again, one can lose it before that time).