while I agree with you, we are still talking hypothetical situations. In real life, every day, "coming to Jesus" events, ALL the parts of the process need to be followed.
To minimize baptism to the point of "if you want to do it, that's good, but if you don't want to do it, that's ok, too" is missing the boat entirely.
Otherwise, you might as well be in the "faith only" crowd.... which I suspect you are. Scripture does not teach that, unless you cherry-pick individual scriptures to fit your pre-conceived idea.
There are too many scriptures that point to the necessity of baptism, along with the Biblical records of the apostles teaching it, along with hundreds of years of following that pattern to say that it is not necessary.....