Dave, I disagree with your premise that one must be indwelled with the Holy Spirit in order to believe. This is contrary to scripture. There is only one verse that Calvinists can point to for this, and it is woefully mis-characterized.
[Eph 1:13-14 NASB] 13 In Him, you also, after listening to the message of truth, the gospel of your salvation--having also believed, you were sealed in Him with the Holy Spirit of promise, 14 who is given as a pledge of our inheritance, with a view to the redemption of [God's own] possession, to the praise of His glory.
[Act 11:16-17 NASB] 16 "And I remembered the word of the Lord, how He used to say, 'John baptized with water, but you will be baptized with the Holy Spirit.' 17 "Therefore if God gave to them the same gift as [He gave] to us also after believing in the Lord Jesus Christ, who was I that I could stand in God's way?"
Here are two salient passages we see the sequence specifically referred to as the indwelling of the Holy Spirit coming AFTER one has believed.
As you can see, the "gift" is the Holy Spirit. That gift is given AFTER we believe, not before.
Regarding this gift, Paul writes:
[Rom 10:6-10 NASB] 6 But the righteousness based on faith speaks as follows: "DO NOT SAY IN YOUR HEART, 'WHO WILL ASCEND INTO HEAVEN?' (that is, to bring Christ down), 7 or 'WHO WILL DESCEND INTO THE ABYSS?' (that is, to bring Christ up from the dead)." 8 But what does it say? "THE WORD IS NEAR YOU, IN YOUR MOUTH AND IN YOUR HEART"--that is, the word of faith which we are preaching, 9 that if you confess with your mouth Jesus [as] Lord, and believe in your heart that God raised Him from the dead, you will be saved; 10 for with the heart a person believes, resulting in righteousness, and with the mouth he confesses, resulting in salvation.
Of course Paul is quoting heavily regarding salvation through faith from Deuteronomy 30:
[Deu 30:6 NASB] 6 "Moreover the LORD your God will circumcise your heart and the heart of your descendants, to love the LORD your God with all your heart and with all your soul, so that you may live.
We know from Paul that Circumcision is the Old Testament shadow (or placeholder) for the indwelling of the Holy Spirit.
[Rom 2:28-29 NASB] 28 For he is not a Jew who is one outwardly, nor is circumcision that which is outward in the flesh. 29 But he is a Jew who is one inwardly; and circumcision is that which is of the heart, by the Spirit, not by the letter; and his praise is not from men, but from God.
Knowing then that Circumcision represents the indwelling of the Holy Spirit, we can look to the first person saved by grace through faith in the gospel of Jesus Christ, Abraham to see the example:
[Rom 4:9-13, 16 NASB] 9 Is this blessing then on the circumcised, or on the uncircumcised also? For we say, "FAITH WAS CREDITED TO ABRAHAM AS RIGHTEOUSNESS." 10 How then was it credited? While he was circumcised, or uncircumcised? Not while circumcised, but while uncircumcised; 11 and he received the sign of circumcision, a seal of the righteousness of the faith which he had while uncircumcised, so that he might be the father of all who believe without being circumcised, that righteousness might be credited to them, 12 and the father of circumcision to those who not only are of the circumcision, but who also follow in the steps of the faith of our father Abraham which he had while uncircumcised. 13 For the promise to Abraham or to his descendants that he would be heir of the world was not through the Law, but through the righteousness of faith. ... 16 For this reason [it is] by faith, in order that [it may be] in accordance with grace, so that the promise will be guaranteed to all the descendants, not only to those who are of the Law, but also to those who are of the faith of Abraham, who is the father of us all,
So we see that circumcision represents the indwelling of the Holy Spirit. The indwelling of the Holy Spirit is as Ephesians 1:13-14 says the "seal of the righteousness of faith" just as circumcision is the "seal of the righteousness of faith" for Abraham. Yet Paul describes REPEATEDLY and at every opportunity that Abraham was made righteous for his faith while uncircumcised -- while not indwelled by the Holy Spirit.
Regarding salvation by faith, Deuteronomy 30 continues:
[Deu 30:1, 11-15, 19 NASB] 1 "So it shall be when all of these things have come upon you, the blessing and the curse which I have set before you, and you call [them] to mind in all nations where the LORD your God has banished you, ... 11 "For this commandment which I command you today is not too difficult for you, nor is it out of reach. 12 "It is not in heaven, that you should say, 'Who will go up to heaven for us to get it for us and make us hear it, that we may observe it?' 13 "Nor is it beyond the sea, that you should say, 'Who will cross the sea for us to get it for us and make us hear it, that we may observe it?' 14 "But the word is very near you, in your mouth and in your heart, that you may observe it. 15 "See, I have set before you today life and prosperity, and death and adversity; ... 19 "I call heaven and earth to witness against you today, that I have set before you life and death, the blessing and the curse. So choose life in order that you may live, you and your descendants,
If you recall, we just read from Paul in Romans 10 that these passages in Deuteronomy 30 speak regarding the righteousness based on faith, and he says "that is the word of faith we are preaching." Regarding that faith, scripture tells us that "it is not too difficult for you" (as Calvinism would have you believe) and that the choice is not made in heaven (as Calvinism would have you believe). It says regarding the righteousness based on faith "it is not in heaven that you should say who will get it for us and make us hear it." It says regarding the word of faith, "it is near to you ... in your mouth and in your heart"... note it does not say in God's mouth and in God's heart. It is not in heaven.
The verse Calvinism misquotes to justify their premise is Ephesians 2:8:
[Eph 2:8 NASB] 8 For by grace you have been saved through faith; and that not of yourselves, [it is] the gift of God;
However, what is clear is that the word "
YOU" is the subject and "
HAVE BEEN SAVED" is the predicate of the verse. The clauses "
by grace" and "
through faith" are supporting clauses of the main subject "
You have been saved." So when it continues "
that not of yourselves, IT is the gift of God" we know that the
IT referred to is the subject of the previous sentence, not the supporting clauses.
IT refers to the phrase "
you have been saved" not to the clause "by faith." The
IT is
salvation, not faith. Salvation is the gift of God, not faith.