Is faith ever not enough for salvation?

Is there ever a scenario where faith is not enough for God’s grace to save? What does it mean in Romans 10 when it says, “who will ascend into Heaven” or “who will descend”? How does the Holy Spirit work in our lives given we are all so different? Are unbelievers really unable to choose Christ?

Tags: bearing fruit, being yourself, diversity, expressing Jesus, faith, predestination, repentance, salvation