I'm late to this thread, but its funny that I was just talking about this Saturday night with my inactive husband and his brother, who is very involved in the church. My husband is inactive, slowly getting back in the church. They both explained it better (for me to understand) than anyone else has. It IS by Grace alone that we are saved, BUT the only way to get to Grace is by works. This may sound confusing but Grace does not get you to Grace. You actually have to work to get to Grace. Thats why comandments are COMANDMENTS. Anyone can say they follow Christ. For crying out loud!! There are people out there KILLING others in the name of Christ!! Look at the crusades (outdated example, I know). These are people accepting Christ as their savior. If I understand correctly under your definition these people would be saved even though they are breaking a major commandment. ADOLF HITLER. Very religious christian if I've been told correctly. Didn't know the guy myself:D, but look at the absolute horrors this guy created.
My point is, if you are truely living by Christ then your works naturally follow. You cannot just claim Christ. Prove to Him that He truely is your Lord. I hope this helps.