(1) The incorrect accusation of Protestants that the Catholic Church teaches salvation by works.
(2) The incorrect doctrine of Protestants that the Scriptures teach salvation by faith.
(3) The insufficient realization by Protestants that the Scriptures teach salvation by grace through faith.
(4) The fact that the Catholic Church and the Reformers have essentially different views on how God's grace operates in the life of the soul.
The result is the odd phenomenon of the Protestant who simultaneously believes that grace operates through the simplest formulation of monergism and that his personal decision to claim Christ as his savior is efficacious.
Protestantism: Every Man a Pope.
Actually, the accusation is sacraments and works. The most pernicious error being ex opere operato.
(2) The incorrect doctrine of Protestants that the Scriptures teach salvation by faith.
Reformation Protestants teach salvation throughfaith, not by faith, salvation is by Grace, through faith, because of Christ.
(3) The insufficient realization by Protestants that the Scriptures teach salvation by grace through faith.
That was the foundation of the Reformation.
(4) The fact that the Catholic Church and the Reformers have essentially different views on how God's grace operates in the life of the soul.
That is a correct statement.
The result is the odd phenomenon of the Protestant who simultaneously believes that grace operates through the simplest formulation of monergism and that his personal decision to claim Christ as his savior is efficacious.
You're confusing orthodox Reformational Christians with 'free-will' Protestants. It's an oxymoron to claim a Reformational Protestant believes in decisional regeneration.