I understand what you're saying, Bob, but no, I don't believe we are predestined to be either saints or sinners. We become either believers or unbelievers, imho. But to say that we are predestined to a particular 'fate' is, well, fatalism. I believe God knows which we will choose, but He doesn't choose that which we will become. From my own experience, I got to a point when I had to choose what to believe, or whether to believe in nothing at all. Surely we all reach that point sometime in the course of our lives.
There's more to the Bible by way of addressing this issue than Paul's letter to the Romans; and it all happens to be a "biblical view":
Deuteronomy 30:19
This day I call heaven and earth as witnesses against you that I have set before you life and death, blessings and curses. Now choose life, so that you and your children may live
James 4:4
You adulterous people, don't you know that friendship with the world is hatred toward God? Anyone who chooses to be a friend of the world becomes an enemy of God.
1 Peter 4:3
For you have spent enough time in the past doing what pagans choose to do—living in debauchery, lust, drunkenness, orgies, carousing and detestable idolatry.
John 7:17
If anyone chooses to do God's will, he will find out whether my teaching comes from God or whether I speak on my own.
Looks very much like a personal, individual choice to me. I've heard the "God doesn't have to make sense'' argument before - to me, the argument itself doesn't make sense! Don't make me list all the Bible verses that spell out how much God wants us to dig for and gain understanding of Him and His ways - but I will if it helps.
Watkins