How was Paul saved before his sins were washed away? Acts 22:16"Let's talk about the thief on the cross, or Cornelius & company, or the Philippian jailer"...I believe you can even throw Paul into the mix of people saved prior to or without baptism.
If baptism is a requirement...what of these people?
What of the scenario of the fox-hole conversion....were the person dies later in the battle without being baptized? Do they go to hell?
What rebuttals have you heard about those people thus far? This can't be the first time you've asked this question and heard people's responses.