Faith doesn't necessarily compel us to work, while love does. And we know the two are not the same.
"The only thing that counts is faith working through love." Gal 5:6
Now you've failed to practice what you've preached, Clare, by not taking the rest of Scripture into consideration. We can't possibly be saved apart from God, that is obvious. But salvation is nonetheless worked out-with Him. There are way too many verses speaking of a believer's need to persevere, to strive, to be vigilant, perfect, holy, refrain from sin, put to death the deeds of the flesh, remain in Him, etc etc, to gain eternal life along with other verses that speak of the possibility of losing it. So we know that salvation is an ongoing thing, and that it involves what we do once we're justified.
"Every day they continued to meet together in the temple courts. They broke bread in their homes and ate together with glad and sincere hearts, praising God and enjoying the favor of all the people. And the Lord added to their number daily those who were being saved." Acts 2:16
"Because of the increase of wickedness, the love of most will grow cold, but the one who stands firm to the end will be saved." Matt 24:12-13
In Ephesians Paul is focused on battling legalism, where works of the law, performed on my own under the old covenant mentality, was said to make one righteous in God's eyes-as Paul thought he was as a Pharisee. But either way only the righteous are truly righteous as John affirms:
"The one who does what is right is righteous, just as he is righteous. The one who does what is sinful is of the devil, because the devil has been sinning from the beginning. The reason the Son of God appeared was to destroy the devil’s work." 1 John 1:7-8
And this true righteousness comes only by fellowship with Him, through faith IOW. So when Paul speaks of being saved he means to say that you've now entered the family of God, the only place of salvation. He does not mean that you can't lose that place in the family, that you can't forfeit/reject your saved status, by, yes, returning to the flesh, by grave sin as listed in Scripture, by being unrighteous. The elect are His, they will persevere- He'll lose none of them. We can't possibly predict that perseverance for ourselves, however-or know with 100% perfect certainty that we're among that number.