Others would say, and I agree, that we are indeed saved by faith, plus nothing, but once saved there will be inevitable evidences. It is sometimes the failure to emphasize point no. 3 that robs prospective believers of the glory and significance of being born anew. The Scriptures seem to be clear in this matter. For it is with your heart that you believe and are justified, and it is with your mouth that you confess and are saved.
Minds produce decisions, but the spirit produces deliverance.
One can be converted without being committed to Jesus as Lord. And mere conversion, an action of the mind, will never give one eternal life. The result will be, obviously, an eagerness to build up my brothers in faith, to reach out to earthlings with the gift of life, to grow in my knowledge and trust, to allow the Word to dwell in my richly, to turn to God from idols to serve Him and to wait for His Son from heaven. But these things will follow my abandoning my life, my all to the rule of the Lord Jesus. I do not get to heaven by being faithful, I am faithful because I'm on my way to heaven.