The problem with your analysis is that you are taking pieces of what Jesus said and attributing to them the status of "this is the only truth pertaining to the matter." Instead, if we take an understanding of ALL that Jesus said about salvation, we arrive at a completely different picture than the one you are portraying.
If you trace through the Gospels for all of what Jesus said about how to get to Heaven, how to be saved, and how to have eternal life, this is the picture you will see:
1. Jesus is the access point/person. (not just being a good person)
2. He calls sinners to Himself. Sin is the barrier issue that must be eliminated (not just doing bad things)
3. Be born again, which means born of the spirit (not just being a good person)
4. Repent and believe (not just do good works) (I'll stop writing this after every point, now, because I believe you get the idea.)
5. People whose sins are forgiven are those who will get to Heaven.
6. He is looking for faith.
7. Those who keep the law and keep the commandments. But following the Law and commandments is often, if not always, explained as following Jesus. Righteousness in Judaism was connected to living in relationship with God as defined in the Torah. Jesus seems to be pushing the definition into relationship with Himself as God and following him in both allegiance and obedience.
8. "Does God's will"
9. Those who put the words of Jesus into practice. (This is what your James quote is all about.)
10. Those who align themselves with Jesus, identifying with Him: "Follow Jesus."
11. Those who know God, and therefore also know Jesus, since He and the Father are one.
12. Acknowledge (presumably show allegiance to) Jesus to other people.
13. Love God.
14. Love Jesus.
15. Lose your life (deny self) for Jesus's sake.
16. Good works; love of neighbor.
17. Humility.
18. Live by the truth; come into "the light," both of which are Jesus Himself.
19. Drink the "living water" that Jesus gives.
I would summarize it this way: Repent of your sins and align yourself with Jesus. Come to Jesus, believe in Jesus and follow him—put his words into practice, love him, allegiance. Follow him, identify with him, and learn from him.
You can see by the list that salvation doesn't have to be earned, and, frankly, can't be earned. Faith doesn't
involve a change in behavior, but it does
result in a change of behavior. Anyone who is truly saved will prove it by his works and will produce fruit consistent with repentance.
Therefore salvation itself is completely a gift, but that gift demands a response from the receiver (who must take the gift, which is not an act of
earning). In receiving the gift, one is committing himself to make changes appropriate to the relationship, meaning they will live in a certain way—but that doesn't mean one has earned the gift. If I give you a tool and you use it, that doesn't mean you earned the gift of the tool. I would expect that you use it—it's why I gave it to you.