I think at SI we all agree that Jesus completely atoned for our sins upon the cross, and that his death (or life and death), burial, and resurrection completely provide the basis for our salvation. The old school called this "objective salvation" (a nomenclature I personally embrace).
But how does the work fo Christ become OURS (subjective salvation). You might believe in the doctrine of unconditional election (as I do), but still, there is a crossing over from death to life. Whether regeneration occurs first (in logical order, as I believe) or at the same time as salvation, what does it take for one to be saved?
We have views ranging from that of Zane Hodges all the way to John MacArthur's listed below. Although there are many other views (such as salvation through sacraments, salvation by works, salvation by baptism plus faith etc. ) I excluded them because to my way of thinking they are beyond the boundaries of SI. But if I missed an alternative within SI paramenters, I will stand corrected.
Feel free to opine! One issue is, for those of us who choose repentance as necessary -- what do we mean by repentance?