Your 4 points sound like a description of being born again found in 2 Corinthians 5:17: Therefore if anyone is in Christ, he is a new creature; the old things passed away; behold, new things have come.
You may be correct. I have certainly considered it. However, it is hard for me to believe that I was born again at age sixteen, on an occasion when I did not do any of the things that constitute conversion (e.g., put initial faith in Christ, repent, get baptized) other than to receive the power of the Holy Spirit.
Your last post resonates with me, somewhat, in that I would distinguish between justification and regeneration. I believe that Old Testament saints were justified, but not regenerated. On the other hand, I believe that, when people put their faith and loyalty into Christ, they are both justified and regenerated.
The Bible describes people who are clearly regenerated, but who have not yet been baptized in the Spirit—e.g., Philip's converts in Acts 8, who "believed and were baptized" and were full of joy. Nothing in their experience suggests a "failure to launch" in terms of salvation. In fact, when John and Peter later laid their hands on them, these people were filled with the Spirit, without any additional repentance, faith, baptism, etc., which would have marked their "real" conversion at that later point. They had earlier experienced justification (since they believed—v.12), and regeneration (since they had been baptized and were full of joy—vv.8, 12), and the Spirit later fell "upon" them (v.16).
I have no problem with the suggestion that I was not "saved" prior to age 16. This depends on what we regard "saved" to mean. Some people think of salvation only in terms of justification, but I believe salvation is a life-long process of transformation and sanctification. In that sense, my salvation is not even now completed—I have not yet "attained." However, I would not deny the justification of many who have had much less experience than that which I have described above. If I was not justified as a child and young teen, then it would be hard to argue that any of the believers in the Baptist church where I was raised were justified, since, by common acknowledgement I was "more exceedingly zealous" than most the others.
To decide whether I was regenerated prior to age 16 would not interest me, since it is not relevant to my present state. However, if my reading of scripture is correct, salvation is entered through repentance, faith and baptism in water—not through the laying-on of hands. If this is correct, then I believe I was born again prior to age 16, and that what happened at that later date was what the Bible describes as happening to believers through the laying-on of hands (Acts 8:17; 9:17; 19:6).
I am disgusted by much of what I see among charismatics and Pentecostals, but I don't derive my theology from my emotions. I prefer to follow what I find taught in scripture. In this matter, my experience resembles that which is sometimes described there.