Instead of giving our personal opinions and never ending mental gymnastics, lets see what the scriptures say and decide whether in Islam salvation is based on free will or already pre-ordained. Decide for yourselves.
Say: ‘Nothing will happen to us except what Allah has decreed for us: He is our protector’: and on Allah let the Believers put their trust.” (Qur'an 9:51)
Do you wish to guide him whom Allah has caused to err? And whomsoever Allah causes to err, you shall by no means find a way for him (Qur'an 4:88)
.......And by Allah, a person among you (or a man) may do deeds of the people of the Fire till there is only a cubit or an arm-breadth distance between him and the Fire, but then that writing (which Allah has ordered the angel to write) precedes, and he does the deeds of the people of Paradise and enters it; and a man may do the deeds of the people of Paradise till there is only a cubit or two between him and Paradise, and then that writing precedes and he does the deeds of the people of the Fire and enters it." Sahih al-Bukhari 6594 Book of Divine Will (Al-Qadar)
It was narrated that 'Aishah the Mother of the Believers said:
"The Messenger of Allah (ﷺ) was called to the funeral of a child from among the Ansar. I said: 'O Messenger of Allah, glad tidings for him! He is one of the little birds of Paradise, who never did evil or reached the age of doing evil (i.e, the age of accountability).' He said: 'It may not be so, O 'Aishah! For Allah created people for Paradise, He created them for it when they were still in their father's loins, And He has created people for Hell, He created them for it when they were still in their fathers' loins.'" Vol. 1, Book 1, Hadith 82 Sunan Ibn Majah