In your sequence of events: 1. believe first, then 2. get written in the BoL or be In Christ. That's cart before the horse because if one is NOT In Christ he can do NOTHING: he cannot believe. And Christ EXPLICITLY said so.
If I may interject something here ~ and genuineoriginal, I hope you do not feel like I'm piling on ~ I would like to agree with Samie. What he is expressing, Paul states explicitly in the verses Ephesians 1.13-14. Please allow me to include them below:
13 In [Christ] you also trusted, after you heard the word of truth, the gospel [or "good news"] of your salvation; in whom also, having believed, you were sealed with the Holy Spirit of promise, 14 who is the guarantee of our inheritance until the redemption of the purchased possession, to the praise of His glory."
Here we see quite clearly that our salvation was true or real and active and effective, how ever you'd like to say it, before we believed or trusted in it. Said differently, our salvation in Jesus Christ IS the good news to which which we respond in faith.
I think where the confusion creeps in (or in this case, crept in, because this teaching has been around for a couple hundred years) is in the misunderstanding that the receipt of the Holy Spirit is that particular ACT whereby we are saved or "born again." That is not so. The receipt of the Holy Spirit is the "gift" from God that guarantees our salvation is true, and seals our salvation unto everlasting life, never to be lost! For whose hand is greater than the hand of God which holds us?
May I say also, that that experience, that initial belief, IS our first cognitive experience of the truth of our existence in Christ, and of course it evokes an emotional response, sometimes powerfully so, AND what could be greater than the receival(my word) of the Holy Spirit, the very Spirit of God within you? That is Christ in you, the hope of glory! Of Course you feel born again, because this is the first time in your cognitive awareness of reality that you now know the truth, "THE GOOD NEWS OF YOUR SALVATION"!
It must be, In Christ first by God's grace, then people can do SOMETHING: they can now believe, etc. God gets the credit. In your sequence, UNLESS man puts in his share into the basket (believe first), he cannot be saved. So, man gets the credit. Clearly, that's salvation by works.
Well said.