Therefore, I must be frank in my feeling that a notable heresy has come into being throughout our evangelical Christian circles—the widely accepted concept that we humans can choose to accept Christ only because we need Him as Savior and we have the right to postpone our obedience to Him as Lord as long as we want to!...
I think the following is a fair statement of what I was taught in my early Christian experience and it certainly needs a lot of modifying and a great many qualifiers to save us from being in error.
"We are saved by accepting Christ as our Savior; we are sanctified by accepting Christ as our Lord; we may do the first without doing the second!"
The truth is that salvation apart from obedience is unknown in the sacred Scriptures. Peter makes it plain that we are "chosen according to the foreknowledge of God the Father, through the sanctifying work of the Spirit for obedience" (1 Peter 1:2).