Vain philosophies of men much? Why is the OP arguing this?
Just go with what the bible says, that we are saved by grace through faith. Grace is conditional upon faith.
Me thinks the OP have grace mixed up with mercy, which is unconditional.
After all, in Jude's letter, it's talking about false teachers creeping in to churches abusing Gods grace, as a license to sin. It says we are to earnestly contend for the faith once delivered to the saints, not grace.
I smell something fishy here. also, we are not of paul or of apollos or of Calvin. it seems like people who believe a certain doctrine want to make a name for themselves and divide the church, and look down on others for not adhering to their self imposed definitions of what the bible says.