I was water baptized. But I did not do it for salvation. I was already saved long before that. Peter makes that point very clear that it is not done for the putting away of the filth of the flesh (i.e. sin) (1 Peter 3:21). 2 Corinthians 7:1 says we are to cleanse ourselves from all filthiness of the flesh and spirit, perfecting holiness in the fear of God. In other words, the filth of the flesh is sin. Meaning, Peter is saying that baptism is not for the putting away of sin.
When Jesus says we must be born of water, He is referencing the Word of God. For faith comes by hearing and hearing the Word of God. We are born not of corruptible seed, but of incorruptible, by the Word of God, which lives and abides forever (1 Peter 1:23). James 1:18 says, he begat us with the word of truth. Jesus says in John 6:63 that his words are spirit and they are life. For Christ sanctifies the church with the washing of the water of the Word (Ephesians 5:25-26).
Remember the Parable of the Sower? If the seed of the Word of God takes root in a person's heart, it can produce a lot.
Titus 3:5 says, "Not by works of righteousness which we have done, but according to his mercy he saved us, by the washing of regeneration, and renewing of the Holy Ghost;"
This is not easy believism. One has to repent of their sins and abide with the Spirit of Christ who is the source of salvation. We do not do the works, but it is God who does the good work within us. We yield to God's Spirit. Holiness and fruitful works do not save in and of themselves. They are just evidence that you have been saved by His grace and mercy. No holiness and fruitful works means no salvation. It is a counterfeit faith. It is not the genuine article or the real McCoy. True saiving faith will always show itself to be true. Again, works are not done so as to be saved, but because they have already been saved.