John you said:
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Without a regenerate heart, one is not capable of understanding the true meaning of many parts of the Bible. Also, in many of the epistles where the first person "we" is used, I don't think you can say that that "we" includes non-elect.

Actually I think you are wrong about the non-elect not being able to understand many parts of the Bible.
Some of the most knowledgeable people of the Bible I have ever met were non-Christians.
My friend's dad, who was by no means a Christian (he was an alcoholic), was like an encyclopedia of Bible knowledge. But he did so not because he wanted to please God, but because he loved obtaining knowledge. He also did so that he could argue against cults such as JWs.
In fact my friend told me how one time he had a JW elder in the house, the JW would quote Scripture and he would immediately stop the JW when ever he misused the text.
In the end, the elder ran out of the house in a huff and my friend’s dad was calm as could be. In fact he was enjoying himself.

It isn’t that the unregenerate can’t understand the Bible if they want to. It is that they will not and can not come to Jesus.

Tom