Are you saying there is no transformation, healing, spiritual growth, sanctification, guidance of the Spirit in this life? I'd say it's actual.
I'd say that salvation is a future thing and atonement is a present thing.
No christian knows if they are saved once they believe. They have faith. The only way you know you're saved is when one is resurrected (like christ). Salvation is an end result. It would only make sense in this life if christ was never sacrificed and resurrected.
Here's the definition of atonement (didn't researched it) "the reconciliation of God and humankind through Jesus Christ." I assume that's why people say they are "saved" is that they have faith god reconciled them to himself through/by his son.
No christian knows they are saved. Faith isn't knowledge. They won't know until they are resurrected and all of that.
Salvation: deliverance from sin and its consequences, believed by Christians to be brought about by faith in Christ.
I think you're talking about atonement. I know not all christians believe the same about judgement day, but that's when you know you're saved or not. When you're judged.
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A christian has faith he is reconciled to god. He hopes that in this reconciliation, he will be with god (saved from sin). One can have knowledge one has been atoned by god; it's a present day experience. However, they don't know they will be saved regardless of their experience until they die.