Believe the Good News, confess and repent and you are saved, whether you have HIM to help you believe by coming into your heart or not. If you believe on HIM, you are not rejecting the spirit for the flesh and as such are of the spirit and as such are reborn, or IOW, born of the spirit.
Many are born with a silver spoon in their mouth. Many work for it or win the lottery. Either way they become rich. Same with being a Christian. Gifted with believe by upbringing or smitten on the road to Damascus.
I think that's a very good way to put it.
And much simpler!
