“One size does not fit all. We know that for some water baptism is not required for some, but that does not mean it is not required for others. Presumption is every bit as much of a sin against hope as is despair.”
An illogical position, since you state that baptism is required while presuming that those verses which indicate salvation without water baptism are simply exceptions to your rule, a rule that is simply not found in the scripture if read without the prism of Catholic theology.
You also ignore the scriptures which utterly refute the concept since, as has been shown before, salvation depends upon the Will of God. Therefore, if it is by the will of God, predestinated before the foundation of the world, it cannot be upon a baptism of water, or any other carnal act, since those can only be the “willing” and “running” of God Himself, and not the “willing” and “running” of the individual, who is chosen by Christ but yet did not choose Christ.