Grace is from God to us according to His wishes, we have responsibility for our actions.
What I object to is separating faith from our moral responsibility, acting with integrity according to our conscience.
And I think it's harmful to look for formulas derived therefrom to get to heaven.
Latest analogy from the Mad Dawg random analogy generator:
I bought you a gym membership. Now you CAN work out.
I drive you to the gym, I persuade you that working out is good. and that you want to be strong. I get you a personal trainer (taught by me).And I own the gym.
Not ONLY that, but I turn out to be in charge of making muscles respond to working out.
Of course, this analogy breaks down when you look at me .... okay, and maybe a few other places along the line too.