Well, Ron, it sounds like what I was writing won’t answer your question.
What it really boils down to is whether you believe that salvation is a process or if salvation is an instantaneous event that you are guaranteed once you profess faith in Jesus.
As Catholics and coming from the perspective that salvation is a process then sacraments make sense. No, they are not our work, but the work of Christ. However if the only thing you believe is the God gave us the Bible and Jesus died on the cross and all you need to do is ask him into your heart then no, it won’t make sense.
What I was initially writing comes from a Catholic perspective but I see that won’t help to explain anything…back to the drawing board.