Your problem is your reduce things to an either-or. You discount A and then argue for B and ignore C and D. My whole point is that when dealing with God, oftentimes He uses A, B, C and D all together. I can’t explain it, nobody can. But when you (or others) hyper focus on A or B, you’re missing the forest for the trees.
God never said that we could understand anything related to salvation, which is a spiritual mystery. All we can accept, through Faith, are doctrines. But it’s hardly an explanation.