I'm not a FundaGelical or a bean-counter, so my answer is far simpler.
When making any moral decision, you need to ask for God's grace and wisdom. God will grant it to you. You must then ask yourself the question, "Will what I do harm anyone......will it be an act of love?"
See, Jesus came to reduce all the commandments to one concept--"Love God, self and neighbor as self."
Love does no harm to a neighbor.
I think my way is far more effective than the FundaGelical bean-counter way.
Jesus also came so that God's grace would be readily available to all.....thus giving you the opportunity to obtain and share that grace with others.
Grace was not always so readily available. One of the great stories of the OT is about Jacob--who lied, stole, and even wrestled with God to get grace.
Remember that when you ask for grace......be aggressive and, like Jacob, show God that you are serious.
Be willing to wrestle a little with God for a better life.
Always remember that if you make a horrible mess of things, God will forgive you if you are honestly ready to start again anew with a changed heart.
It is far better and more honorable to take the time and make the effort to do the right thing in the first place though. Be willing to make that struggle as well.
God bless you in your struggle.