Moderate, here. I consider myself a five-pointer, also. The single greatest accusation against Calvinists is that they rest on predestination so heavily that they do not attempt to spread the gospel, and that they assume that prosperity is a sign of election. Assuming that God only loves the elect, and the elect always are saved, there is, therefore, no need for human intervention in the matter, as some see it. My rebuttal is best expressed in story form:
nonaeroterraqueous.wordpress.com/2011/02/09/the-supralapsarian-dilemma/
In the same way that Charismatics over-simplify their doctrines and substitute enthusiasm for understanding, I think that Calvinism has, at times, led to a sort of over-simplification that would take a very complex idea like predestination, which is necessarily a paradox, and turn it into something more easily understood and not nearly as true. I grew up in an Assemblies of God household, and my brother is an Assemblies of God minister; therefore, I must say that I've done my share of defense of Calvinism to people who consider it a dirty word. I also must say that I came to a belief in Calvinism against every influence, apart from the Bible. I had never heard of the idea until it was mocked by an ex-Catholic atheist teacher, who taught me many of the doctrines under the assumption that no one in the class could possibly believe such a thing. Even so, I was an avid (though very untalented) writer of fiction at the time, and I had a sudden epiphany that predestination must necessarily be true, and I found that I could relate to the concept quite well.
I say all of this, because I feel that my coming upon Calvinism at all was an answer to prayer, and that it went against all odds. In my childhood, I agonized badly about the possibility of losing my salvation. I had been taught that I could simply change my mind and walk away from the faith, to burn in Hell forever. They told me that my salvation was assured, so long as I didn't change my mind, but I knew better than to trust in myself. Their doctrine made damnation for all seem like an inevitability. Learning about Calvinism saved me from a great deal of despair.
