This should be fairly easy to answer...
I know what I would say, but I want to hear what you would say first

Ok, I will give a short answer based on Eph. 1:4. At the moment I don’t have time for more than a short answer.
Eph. 1:4 says "Accordingly as he hath chosen us in him before the foundations of the world, that we should be holy and with out blame before him in love." KJV
The words "Accordingly as he hath chosen us in him before the foundations of the world," indicate people God has chosen in Christ, before the foundation of the world."
The words "that we should be holy and with out blame before him in love." Indicate that the people whom God has chosen should be holy and with out blame before him in love.
This indicates the salvation of the chosen.
It should be fairly clear from this verse and many others, that it is people whom God chooses, not their actions.
The second part of the verse starts with the word "that".
The word "that" indicates something following salvation; which is their sanctification. This is a life long process.
Tom