This is a difficult thing to explain, but I will attempt it... salvation is by grace, through faith. It is a free gift, because of the life, death, burial and resurrection of Jesus, our savior. That is the gospel... the good news. That is what saves us. Jesus taught that we are to teach others the good news, and baptize them in his name. It is not optional. The apostles taught this, it was simply understood that baptism was unquestionably done when someone accepted and professed Jesus as their Lord.
That is why I say.... "Does baptism save us" .... no.
"Is baptism necessary" ..... yes.
no "what if's" ..... no nothing. Jesus commanded it, there should be NO question as to "whether" it should be done.
I think this really boils down to the core of the issue.
Faith without works.
Without works our faith is dead.
If we say we believe but do not wish to do the works
We do not want to help others , We do not wish to do as scripture tells us , We do not want to pray , We do not want to do all the things God calls us to do our faith is dead.
Now we "ALL" know works do not save us they are by product of our faith and we all have much much to improve but we should seek to do so not make excuses and arguments why baptism is not important or helping the poor is not important or why being loving is not important.
What
does it profit, my brethren, if someone says he has faith but does not have works? Can faith save him? If a brother or sister is naked and destitute of daily food, and one of you says to them, “Depart in peace, be warmed and filled,” but you do not give them the things which are needed for the body, what
does it profit? Thus also faith by itself, if it does not have works, is dead.
Question is not if one should get baptized.
Question is why someone would argue against importance of baptism, it reeks of rebellion against God's will and makes believer become uncomfortable.
Lets just do as God tells us rather than argue what has greater merit following this or that command.
All what God expects us to do has merit and there is no need to try make issue of it.