Perhaps the question of “am I saved?” is better phrased as “do I love?” - changing our perspective from inward to outward, from self to other. Maybe it’s in giving less thought about our “personal salvation” and in giving more of ourselves to others that we move closer to Christ?

I think your question is quite valid. Paul is quite explicit that the test of salvation is not whether one prayed a prayer or not but rather the presence of the fruit of the Spirit (Galatians 5:22-23)

αγαπΕ - unconditional love

χαρά - a state (not feeling) of joy (from the word for grace)

ειρΕνΕ - peace, the absence of unresolvable internal conflict

μακροθυμια - patience (not endurance but resolution)

χρΕστότΕς - kindness to others

αγαθωσύνΕ - generosity

πιστις - faith, or rather faithfulness

πραυτΕς - gentleness, control

εγκράτεια - self-control

against such, no law can exist!