It seems that Walter Scott's original "five"
has a lot going for it, that seems to have been lost with the "five steps" that we are more familiar with. Just to take a closer look...
Faith to change the heart.
So, faith here is said to be involved in changing the heart. That hardly sounds like mental assent only. It also seems to allude to Peter's statement in Acts 15:9 about hearts being cleansed by faith. The response all begins with and goes back to faith.
Repentance to change the life.
Sometimes, it seems that "repentance" is often confused with merely asking for forgiveness and being "sorry" for one's sins. Repentance, of course, actually entails making changes in one's life.
Baptism to change the state.
No real comment here, as we discuss the purpose and function of baptism on this forum aplenty. As far as what changes in regard to the "state" in baptism depends on one's understanding about what happens in and with baptism.
Remission of sins to cleanse the guilt.
I find it interesting that "remission of sins" here is actually listed separately from baptism. It is a point in and of itself.
The gift of the Holy Spirit to make one a participant in the Divine Nature.
This is profound in that includes the Holy Spirit in the equation. It also appears to allude to 2 Peter 1:4, where we are said to be "partakers of the divine nature." That particular Scripture, I never heard referred to much.
Perhaps, if I may take the liberty of reading more into Scott's paradigm than what he actually says, the first three points of this construct (faith, repentance, and baptism) are our response to the gospel. But, the last two (remission of sins and the gift of the Holy Spirit) are God's doing and God's action on us. Baptism could even be said to be the turning point from us to God.
The "five" we know are centered on our response (our hearing, our believing, our repenting, our confessing, our being baptized). But, in Scott's original "five," remission of sins and the gift of the Holy Spirit are listed as two points separately, which are God's doing.