Of course, you hit the nail on the head. Not disagreeing with you. Even so, earlier in the thread someone talked about "belief as mental ascent" to suggest that mental ascent alone isn't enough. I think James was making the same point in his epistle. And this speaks to the flavor of OSAS doctrine under review. Those who claim that a single, one-time, confession of faith qualifies an individual for a part in the resurrection have oversimplified the concept of faith. To suggest that belief is nothing more than a single confession is a misleading simplification of the idea.
It's easy for us to forget, I think, the significant implications associated with confessions of faith present during the first century when such confessions could cause loss of employment or even loss of life. Today, what can happen to me if I confess Christ? For some in the world, a confession of faith is a dangerous act. For others, not so much.
Anyway, I like where your head is at. Keep up the good word.