There’s a great thread by Geoff at New Cool Thang dealing with “The bicycle parable”. There are several comments about repentence itself and the payment Christ made for our sins.
Not to sound ungrateful but the payment for my sins is not the greatest part of the atonement for me. If all that was involved was the payment for sin then according to D&C 19 I can and/or will pay for my sins.
It isn’t the payment of sins that makes me whole, nor is it the payment that makes me worthy to be exalted. If it were I could suffer for 87,964 years (or whatever length) and have my sins paid for and then claim the debt is paid and therefore let me into the Celestial Kingdom.
Repentence is more than transferring the payment to Christ. Repentence brings about a change in me. I become different, I become changed, I become more Christlike. If I don’t I haven’t repented.
It’s the change that’s important to me, not who has to pay.