Hi Helen,
Your POV is common among Reformation Christians but not all Reformation Christians believe what you believe.
Do you believe it is necessary to follow the example that Jesus gave us? If you believe it is necessary to follow His example then water baptism is necessary for salvation. (Matthew 3:13-17)
Why was Jesus baptized? Believers baptism is a step of obedience. Nowhere does it say that its necessary.
Do you believe it is necessary to do what Jesus told us to do? If you believe it is necessary for us to do what Jesus told us to do then water baptism is necessary for salvation. (Matt. 28:18-20)
Jesus gave all of us a job to do. We will bear fruit, some 100, some 60, some 30. What does that suggest to you? The person that bears only 30 is just as saved as the one that bore 100.
Do you believe it is necessary to adhere to the sound doctrines, whether by word of mouth or letter, of the Apostles? If you believe it is necessary to adhere to the teachings of the Apostles then water baptism is necessary for salvation. (Acts 10:46-48)
I cited that passage above in post # 689. Kindly tell us where its said its 'necessary'? It doesn't.
Do you believe the earliest Christians
adhered to the teachings of the Apostles or the 16th century Christians teachings adhere to their teachings? If you believe the earliest Christians, the ones who were alive when the Apostles walked the earth, would be right on this matter then water baptism is necessary for salvation because that is what they taught/practiced.
(Didache chapter 7)