You're a sinner.
I'm a sinner.
Sin deserves a payment. That payment is death and hell.
Jesus Christ paid that price.
Accept His gift.
There is no reason to overthink salvation. It is a simple faith that saves us from the punishment that we deserve for our actions. If you want to be technical, it's not actually the faith, but rather God's grace that saves us.
Faith and grace are legal terms, but they are not complex. They are simple and God's promises are binding. From the beginning of time, God has planned for you to be redeemed from eternal damnation.
This simple prayer (the meaning, not the words) exemplifies what you need to be saved:
"God, be merciful to me a sinner."