Frankly I believe you ignore the whole issue of divine Holy Spirit timing here. You create an artificial dichotomy.
If you can find Osteen proclaiming that mouthing the prayer is all that is needed ever, then I’ll take it back. But I think even he knows it needs to be sincere, and that it won’t be sincere until the right time.
Joel isn’t one to harp on nasty issues like sin. Nevermind Christ came to save sinners. He came to “seek and save that which was lost”, not help men live their best life now.
When Joel bothers to deal with salvation, he, like most of modern Evangelicalism, makes men think it’s in their hands, that salvation is a matter of the human will, but that isn’t biblical. Decisional regeneration simply cannot be found in Scripture. Salvation is of grace, not decision. The Bible teaches that we are not saved by our own will, but of God.
“who were born not of blood, nor of the will of the flesh, nor of the will of man, but of God.” (John 1:13)
“So then it is not of him that willeth, nor of him that runneth, but of God that sheweth mercy.” (Romans 9:16)
Neither human will nor human works or effort (”runneth”) are involved in salvation. Salvation is all of grace.
“For by grace are ye saved through faith; and that not of yourselves: it is the gift of God: Not of works, lest any man should boast. For we are his workmanship, created in Christ Jesus unto good works, which God hath before ordained that we should walk in them.” (Ephesians 2:8-10)