'Without us': not physically passive, but not freely concurring
Thesis XLV. They point out that this grace is rightly said to work in us without us, not because our mind and will are merely passive toward the movements it produces in us, for since these are living movements they must, they say, come efficiently from a living power.
It is said so rather because by this grace God works in us without our concurring morally, that is, freely, though not without our acting physically.
For, as they say, the actions usually credited to us are not those that happen without freedom, which are called acts of a man, but only those to which we freely determine ourselves, which are properly called human acts.
Latin
XLV. Ac monent hanc gratiam recte dici in nobis, sine nobis operari, non quod mens & voluntas nostra mere passive se habeant ad motus illos quos in nobis producit: Cum enim sint motus vitales, a potentia vitali, inquiunt, efficienter procedere debent: sed quia per illam Deus in nobis operatur, sine nobis moraliter, seu libere concurrentibus; licet non sine nobis Physice operantibus. Non enim, ut aiunt, illae actiones nobis tribui solent, quae fiunt sine libertate, quaeque dicuntur actiones hominis; sed eae duntaxat ad quas nos libere determinamus, & quae proprie actiones humanae appellantur.