You believe what your pet verses "on the surface" appear to teach, but is not in harmony with the rest of scripture on salvation by faith.
In regards to Acts 22:16, as Greek scholar AT Robertson points out, baptism here pictures the washing away of sins by the blood of Christ, but it does not literally wash away our sins, contrary to your conclusion. Jamison, Fausset, and Brown Commentary makes not of the importance of the Greek in Ananias' statement. When Ananias tells Paul to "arise, be baptized, wash away your sins, calling on the name of the Lord," the tense of the last command is literally "having called" (aorist middle participle). "Calling on [epikalesamenos] --- 'having (that is, after having) called on,' referring the confession of Christ which preceded baptism." [Jamison, Fausset, and Brown Commentary, vol. 3 pg. 160]. Kenneth Wuest picks up on this Greek nuance and translates the verse as follows: "And now, why are you delaying? Having arisen, be baptized and wash away your sins, having previously called upon His Name." (Acts 22:16, Wuest's Expanded NT).
In Acts 10:43, receiving remission of sins is connected with
"believes in Him" and not with baptism (Acts 10:43-47). In Acts 9, Jesus told Ananias that Paul "is a chosen vessel unto Me" (vs 15), although the apostle had not yet been water baptized. Before Paul was baptized, Christ had already commissioned him to "bear His name before the Gentiles, and kings, and the children of Israel" (Acts 9:15) and such a commission is not for one who is still lost in their sins. Before Paul’s baptism, Christ had set him aside as one who would "suffer for His name’s sake" (9:16). Can one who is a child of the devil, as all the lost are (Ephesians 2:1-3, John 8:44), really suffer for Christ’s sake? NO.
So, Paul had already believed in Christ when Ananias came to pray for him to receive his sight (Acts 9:17). It also should be noted that Paul at the time when Ananias prayed for him to receive his sight, he was
filled with the Holy Spirit (Acts 9:17)--this was
BEFORE he was water baptized (Acts 9:18). Verse 17 connects his being filled with the Spirit with the receiving of his sight. We know that he received his sight prior to his baptism.
Excellent article on Acts 22:16 -
https://kentbrandenburg.blogspot.com/2015/03/acts-2216-baptism-essential-for.html
It's interesting that when Paul recounted this event again later in Acts (Acts 26:12-18), he did not mention Ananias or what Ananias said to him at all. Verse 18 again would confirm the idea that Paul received Christ as Savior on the road to Damascus since here Christ is telling Paul he will be a messenger for Him concerning
forgiveness of sins for Gentiles as they have faith in Him. It would seem unlikely that Christ would commission Paul if Paul had not yet believed in Him and was still lost in his sins.
No scripture is to be interpreted in isolation from the totality of scripture. Practically speaking, a singular and obscure verse is to be subservient to to multiple and clear verses, and not vice versa.