Our efforts and desires.
It's not just semantics either. To say Pres Nelson only needed the atonement a little while I needed it much more is inaccurate.
I think you also have to define what being saved means. In our LDS culture, it's celestial kingdom or bust. Christ has asked us to do a lot of things to qualify...but that's very different than saying I 80%earned it and Christ made up the rest.