I was put to study this passage in seminary, and did find the "standard" Ref. interpretation continued strong up to the present day. Up to the time, I was under the impression that other views were "Arminian." End of story. How surprising, then, to find variations within Ref. orthodoxy!
The contrary views forced me into a bit of reconsideration. And I decided that I did (do) not think the "standard" Ref. view has quite dealt adequately with all the objections.
In my opinion, few handlers (past or present) have done as well as the venerable Charles Hodge. Who digests Hodge has an excellent grasp on the passage--but I still see room for refinement.
My position is 1) that Paul is unquestionably describing a Christian; in this I agree with the standard Ref. position. The contrary view (or M.L-J's view) minimizes the structural argument of Romans; in fact it overthrows it, and they may be set aside on that basis alone. This is a passage on the problem of indwelling sin in the believer.
2) There is, nevertheless, no essential reason that Paul must be giving "autobiography," in any strict sense. Paul is not saying, "Here's a blow-by-blow of my daily or weekly experiences in gospel-living." Rather, he is relating a common, Christian problem; and yes, it is one he himself has (and probably sometimes still does) experience in just this manner.
3) I think the basic question that sums up the focus of Rom.7 is: "How does the Law now relate to the believer?"
Ask yourself this question (thank you Dr. Dyer), "What is the bridge between ch.6 (the contrast between sanctification and licence), and ch.8 (life in the Spirit)? If I'm a Christian, then how come I have these behavioral issues? Now that I'm I Christian, I thought I could finally(!) obey the law, finally be able to please God in everything. Isn't sanctification now MY responsibility?
4) The reason why Paul isn't being entirely autobiographical is because he knows (already) that the Law doesn't, even cannot, sanctify. In his own life of faith, he's not quite at that "early Christian" phase where these are just the issues and questions that the new believer is sure to ask. But even the older believer, and he himself, need the reality rehearsed once in a while, because we become forgetful of the gospel. Hence, the first-person personal pronoun is entirely appropriate--not just because Paul has been there (past), but because he finds himself in that place even now on occasion. And the gospel has to come fresh to him also.