How Will You Know?
In the end, Scripture teaches what it teaches. It’s up to each individual Christian to determine for himself how to interpret what God has revealed to us in his word and what he has not. And, I would urge each Christian to think and seek to understand for himself, rather than simply “buying into” whatever his church body teaches. We are each to be sheep of the Good Shepherd, not sheep to our denomination.
Personally, I would argue that the biblical evidence seems overwhelmingly against God having declared all (including the unbeliever) to be justified in any way, shape or form other than by way of that which remains in Christ and becomes ours exclusively through saving faith…alone.