“and it is up to each individual to choose whether to accept His gift by accepting Him as Savior and Lord”
Thank God I was smart enough to choose Jesus. Is that what the bible says?
Actually, yes. It does. See the parable about the banquet-thrower inviting all the poor and destitute because those invited chose not to attend. See the Prodigal Son who chose to return to his Father on his own. See the ten virgins who chose to keep an eye out for the Bridegroom. See the thief on the cross who chose Christ.
There are many others, but I'm sure you don't need me to list them all out here.