Choosing redemption? I don't know what Jim believes these days, but he grew up Christian. The books often emphasize the importance of choice. The Knights try to save the Denarians. If the older ones give up their coins, they can't have much more than a few years left. The really old ones like Tessa and Nick would probably have less than a few years.
I think simply choosing to change paths and taking the first steps could be enough. Leaving the circle may have been enough. "I firmly intend, with your help, to do penance, to sin no more, and to avoid whatever leads me to sin" would have probably been enough.