I would agree with your first 3 paragraphs, but not the last two. Frankly, you have no reason to doubt her salvation, other than she is Calvinistic.
Since you consider all Calvinists to be unsaved, it would appear that everything you write about is basically a meaningless construct. You are reconciled, and yet, not reconciled. Perfect and complete and yet imperfect and incomplete.
There is no room in the Gospel for Calvinism.
If you are trusting Christ for your salvation you don't need Calvinism. All that you need is Jesus Christ and his Gospel.
It is not the Gospel plus Calvinism. It is the Gospel plus NOTHING.