That is good, at least.
LOL, Love the song, and the artist, but when considering God, two out of three is very, very bad. If your wife was 99.999% loyal to you, would you count her as true? No, even 99.999% loyalty is the same as 100% disloyalty. So 66.6% loyalty is pathetic.
If that was what Scripture says, I would join you in that belief. But that is not what Scripture says.
Rom 6:1-7 - "What shall we say then? Are we to continue in sin so that grace may increase? 2 Far from it! How shall we who died to sin still live in it? 3 Or do you not know that all of us who have been baptized into Christ Jesus have been baptized into His death? 4 Therefore we have been buried with Him through baptism into death, so that, just as Christ was raised from the dead through the glory of the Father, so we too may walk in newness of life. 5 For if we have become united with Him in the likeness of His death, certainly we shall also be in the likeness of His resurrection, 6 knowing this, that our old self was crucified with Him, in order that our body of sin might be done away with, so that we would no longer be slaves to sin; 7 for the one who has died is freed from sin."
Col 2:11-14 - "and in Him you were also circumcised with a circumcision performed without hands, in the removal of the body of the flesh by the circumcision of Christ, 12 having been buried with Him in baptism, in which you were also raised with Him through faith in the working of God, who raised Him from the dead. 13 And when you were dead in your wrongdoings and the uncircumcision of your flesh, He made you alive together with Him, having forgiven us all our wrongdoings, 14 having canceled the certificate of debt consisting of decrees against us, which was hostile to us; and He has taken it out of the way, having nailed it to the cross."
Both of these passages state clearly and without ambiguity that salvation occurs during baptism. For it is in baptism that we die to sin, it is in baptism that the Holy Spirit circumcises our sin from us, it is in baptism that we join Jesus in death and are raised with Him to new life. We did not die to sin before baptism, and then outwardly show the inward change through being baptized. These changes take place during baptism.
If Scripture is a "bad analogy" then I will take a bad analogy every day and twice on Sunday. Yes, the Israelites were terrible in their obedience to God, but we are no different. The analogy stands because it is God's Word to us about how He deals with His children.
You are absolutely correct, the heart must be right for the action to have any significance. But without the action, the heart condition has no significance either. Both are required. If there is no real belief in the heart then all you get is wet. But if there is not action, then the belief is not real, it is dead, fake, meaningless.