I won't disagree with you, but will split hairs :) I don't believe that we have a tendency towards evil, but rather a weakness for/vulnerability to it... This is why we must try to build up our spiritual immunity, so to speak. Otherwise, I fully agree with your well-phrased summary:

To overcome... takes grace from above and constant cooperation and receptivity on our part to surrender to the process.

Thanks, for taking time to read and leave that thoughtful comment _/|\_