While I agree that we have the ability to make decisions, it is (IMO bad) speculation that being created in God's image gives us the ability to make the RIGHT decisions when it comes to salvation. We make decisions according to our inclination, and our inclination is only evil until and unless we are born from above (born again).
Lets see
John 12:40 (KJV 1900) — 40 He hath blinded their eyes, and hardened their heart; that they should not see with their eyes, nor understand with their heart, and be converted, and I should heal them.
God blinded men to prevent their belief. Why would God blind someone who had no ability to see?
Why prevent from believing those who had no capacity for belief
Luke notes had men not grown hardened they could have believed
Acts 28:27 (KJV 1900) — 27 For the heart of this people is waxed gross, and their ears are dull of hearing, and their eyes have they closed; lest they should see with their eyes, and hear with their ears, and understand with their heart, and should be converted, and I should heal them.
Jesus clearly states he hides truth for some as otherwise they would repent and be forgiven
Mark 4:10–12 (ESV) — 10 And when he was alone, those around him with the twelve asked him about the parables.
11 And he said to them, “To you has been given the secret of the kingdom of God, but for those outside everything is in parables,
12 so that “ ‘they may indeed see but not perceive, and may indeed hear but not understand, lest they should turn and be forgiven.’ ”
unregenerate men are shown to receive the word with joy and believe
Luke 8:13 (KJV 1900) — 13 They on the rock are they, which, when they hear, receive the word with joy; and these have no root, which for a while believe, and in time of temptation fall away.
The adversary steals the word away so men will not believe
Luke 8:11–12 (KJV 1900) — 11 Now the parable is this: The seed is the word of God. 12 Those by the way side are they that hear; then cometh the devil, and taketh away the word out of their hearts, lest they should believe and be saved.
What need is there to steal away a word which cannot be believed?
John 1:6–7 (KJV 1900) — 6 There was a man sent from God, whose name was John. 7 The same came for a witness, to bear witness of the Light, that all men through him might believe.
John the apostle believes the testimony of John the Baptist is sufficient for faith.
John 5:45–47 (KJV 1900) — 45 Do not think that I will accuse you to the Father: there is one that accuseth you, even Moses, in whom ye trust. 46 For had ye believed Moses, ye would have believed me: for he wrote of me. 47 But if ye believe not his writings, how shall ye believe my words?
John 4:39 (KJV 1900) — 39 And many of the Samaritans of that city believed on him for the saying of the woman, which testified, He told me all that ever I did.
How much exegesis is needed to see men believed based upon the woman's testimony
John 17:20 (KJV 1900) — 20 Neither pray I for these alone, but for them also which shall believe on me through their word;
men will be able to believe based on the apostle's testimony
John 20:31 (KJV 1900) — 31 But these are written, that ye might believe that Jesus is the Christ, the Son of God; and that believing ye might have life through his name.
The reading of scripture is sufficient for belief
2 Timothy 3:15 (NIV) — 15 and how from infancy you have known the Holy Scriptures, which are able to make you wise for salvation through faith in Christ Jesus.
Ephesians 3:4–11 (NIV) — 4 In reading this, then, you will be able to understand my insight into the mystery of Christ, 5 which was not made known to people in other generations as it has now been revealed by the Spirit to God’s holy apostles and prophets. 6 This mystery is that through the gospel the Gentiles are heirs together with Israel, members together of one body, and sharers together in the promise in Christ Jesus. 7 I became a servant of this gospel by the gift of God’s grace given me through the working of his power. 8 Although I am less than the least of all the Lord’s people, this grace was given me: to preach to the Gentiles the boundless riches of Christ, 9 and to make plain to everyone the administration of this mystery, which for ages past was kept hidden in God, who created all things. 10 His intent was that now, through the church, the manifold wisdom of God should be made known to the rulers and authorities in the heavenly realms, 11 according to his eternal purpose that he accomplished in Christ Jesus our Lord.
As is the preaching of it.
Romans 10:10–17 (KJV 1900) — 10 For with the heart man believeth unto righteousness; and with the mouth confession is made unto salvation. 11 For the scripture saith, Whosoever believeth on him shall not be ashamed. 12 For there is no difference between the Jew and the Greek: for the same Lord over all is rich unto all that call upon him. 13 For whosoever shall call upon the name of the Lord shall be saved. 14 How then shall they call on him in whom they have not believed? and how shall they believe in him of whom they have not heard? and how shall they hear without a preacher? 15 And how shall they preach, except they be sent? as it is written, How beautiful are the feet of them that preach the gospel of peace, and bring glad tidings of good things! 16 But they have not all obeyed the gospel. For Esaias saith, Lord, who hath believed our report? 17 So then faith cometh by hearing, and hearing by the word of God.
Acts 28:23–24 (KJV 1900) — 23 And when they had appointed him a day, there came many to him into his lodging; to whom he expounded and testified the kingdom of God, persuading them concerning Jesus, both out of the law of Moses, and out of the prophets, from morning till evening.
24 And some believed the things which were spoken, and some believed not.
Joshua 24:15–17 (ESV) — 15 And if it is evil in your eyes to serve the LORD, choose this day whom you will serve, whether the gods your fathers served in the region beyond the River, or the gods of the Amorites in whose land you dwell. But as for me and my house, we will serve the LORD.” 16 Then the people answered, “Far be it from us that we should forsake the LORD to serve other gods, 17 for it is the LORD our God who brought us and our fathers up from the land of Egypt, out of the house of slavery, and who did those great signs in our sight and preserved us in all the way that we went, and among all the peoples through whom we passed.
Deuteronomy 30:11–20 (ESV) — 11 “For this commandment that I command you today is not too hard for you, neither is it far off. 12 It is not in heaven, that you should say, ‘Who will ascend to heaven for us and bring it to us, that we may hear it and do it?’ 13 Neither is it beyond the sea, that you should say, ‘Who will go over the sea for us and bring it to us, that we may hear it and do it?’ 14 But the word is very near you. It is in your mouth and in your heart, so that you can do it. 15 “See, I have set before you today life and good, death and evil. 16 If you obey the commandments of the LORD your God that I command you today, by loving the LORD your God, by walking in his ways, and by keeping his commandments and his statutes and his rules, then you shall live and multiply, and the LORD your God will bless you in the land that you are entering to take possession of it. 17 But if your heart turns away, and you will not hear, but are drawn away to worship other gods and serve them, 18 I declare to you today, that you shall surely perish. You shall not live long in the land that you are going over the Jordan to enter and possess. 19 I call heaven and earth to witness against you today, that I have set before you life and death, blessing and curse. Therefore choose life, that you and your offspring may live, 20 loving the LORD your God, obeying his voice and holding fast to him, for he is your life and length of days, that you may dwell in the land that the LORD swore to your fathers, to Abraham, to Isaac, and to Jacob, to give them.”
I'd say scripture testifies against you