Technically speaking, 4WD, I can agree with the way you expressed your last comment:
“The abilities to hear, to think, to understand, to choose, to believe are gifts of God in His creation.” That’s very true of the original creation of mankind in Eden, but ESPECIALLY OF THE *NEW* CREATION Paul spoke of in II Cor. 5:17. “So that if anyone be in Christ, there is a NEW CREATION: the old things passed away; lo, have become new all things. And all things are OF GOD, who reconciled us to himself by Jesus Christ.” Man does not really have the ability to “create” something out of nothing. That ability to create ex nihilo is uniquely “OF GOD”, especially in salvation’s sense of the “New Creation”.
Here’s one more text example illustrating on the one hand man’s duty to exercise works of faith, as well as pointing out on the other hand how God originated that faith to begin with. Paul covered this subject with the Corinthians in I Cor. 4:2-7. “Moreover, it is REQUIRED in stewards that a man be found FAITHFUL.” God has a right to expect His servants to work out acts of faithfulness. And in the judgment of rewards for the righteous, whether we may have performed little or much, God most generously promises that “...then shall EVERY MAN have praise from God.” (v. 5). God is not unrighteous to forget our work and labor of love...(Heb. 6:10).
Paul then cautioned the Corinthians against comparing men and their accomplishments with each other, with a most convicting question; “For who made thee to differ from another? AND WHAT HAST THOU THAT THOU DIDST NOT RECEIVE?” The obvious conclusion to this rhetorical question meant that there was NOTHING good that had not been GIVEN to them of which they could boast. Paul then asked them, “Now if thou didst receive it, WHY DOST THOU GLORY AS IF THOU HADST NOT RECEIVED IT?”
These same convicting questions in I Cor. 4:7 can be asked of anyone claiming credit for themselves in being a “new creation” in salvation. If we, like the Corinthian believers, have nothing which we did not receive, then why should we glory as if we had not received it?
I cannot even draw my next breath to speak words of faith without God sustaining for me the breath of life in my lungs. “In him we live and move and have our being.” And yet in the final judgment, God will still offer words of praise to every one of us for what He assisted us to accomplish. Unfathomable generosity.