Like most religious people, you are allowing your religion (Calvinism) to dictate what you believe.
Whether you think it is works or not works, the New Testament teaches that the reception of the Holy Spirit comes to those that hear and believe the Gospel. You apparently don't believe the Gospel, if you did you would not need Calvinism.
"This only would I learn of you, Did you receive the Holy Spirit by the works of the law (because you did something) or by the hearing of faith" (hearing the Gospel) Galatians 3:2.
Only those that hear and believe the Gospel are indwelt with the Holy Spirit.
"For unto us was the Gospel preached, as well unto them: but the word preached did not profit them, not being mixed with faith in them that heard it" Hebrews 4:2.
You have heard the Gospel, but you don't believe it. This is why you are not indwelt with the Holy Spirit. You must hear and believe.