I fully agree that those of us that have heard and received the message of salvation SHOULD be baptized, it is an act of obedience. If we claim to be children of God, then we follow (best we can) all that he instructs, it is good for us and for the good of the whole body. If we CHOOSE not to be baptized, I would be concerned that there was not a true conversion of the heart here, but it would not be my duty to pass judgment on that heart, that would be left to the one that sees and judges the motives from the hearts of men and is also full of mercy and grace. So, there is really no disagreement here from me that those who believe should follow their conversion with the outward expression of the inward change.
Where there is disagreement is in the dogmatic teaching that Jesus blood is not sufficient enough for those that had no opportunity to be baptized, the idea that lack of baptism = no salvation is ridiculous, that God grace is not big enough...hogwash. Following are some "hypothetical" situations lol...Maybe their church does not teach the importance of baptism and they are clueless, maybe they are bed ridden, maybe they died in a car wreck on the way to the lake...maybe, maybe, maybe...there could be so many reasons why someone hasn't been baptized. Baptism or no baptism for these circumstances does not negate the issue of the heart and faith.
Genesis 15:6 Abram believed the LORD, and he credited it to him as righteousness.
Romans 2
17) Now you, if you call yourself a Jew; if you rely on the law and brag about your relationship to God; 18) if you know his will and approve of what is superior because you are instructed by the law; 19) if you are convinced that you are a guide for the blind, a light for those who are in the dark, 20) an instructor of the foolish, a teacher of infants, because you have in the law the embodiment of knowledge and truth 21) you, then, who teach others, do you not teach yourself? You who preach against stealing, do you steal?
22) You who say that people should not commit adultery, do you commit adultery? You who abhor idols, do you rob temples? 23) You who brag about the law, do you dishonor God by breaking the law? 24) As it is written: "God's name is blasphemed among the Gentiles because of you."
25) Circumcision has value if you observe the law, but if you break the law, you have become as though you had not been circumcised. 26) If those who are not circumcised keep the law's requirements, will they not be regarded as though they were circumcised?
27) The one who is not circumcised physically and yet obeys the law will condemn you who, even though you have the written code and circumcision, are a lawbreaker.
28) A man is not a Jew if he is only one outwardly, nor is circumcision merely outward and physical. 29) No, a man is a Jew if he is one inwardly; and circumcision is circumcision of the heart, by the Spirit, not by the written code. Such a man's praise is not from men, but from God.
Romans 4
1) What then shall we say that Abraham, our forefather, discovered in this matter? 2) If, in fact, Abraham was justified by works, he had something to boast aboutbut not before God. 3) What does the Scripture say? "Abraham believed God, and it was credited to him as righteousness."
4) Now when a man works, his wages are not credited to him as a gift, but as an obligation. 5) However, to the man who does not work but trusts God who justifies the wicked, his faith is credited as righteousness. 6) David says the same thing when he speaks of the blessedness of the man to whom God credits righteousness apart from works:
7) "Blessed are they
whose transgressions are forgiven,
whose sins are covered.
8) Blessed is the man
whose sin the Lord will never count against him."
9) Is this blessedness only for the circumcised, or also for the uncircumcised? We have been saying that Abraham's faith was credited to him as righteousness. 10) Under what circumstances was it credited? Was it after he was circumcised, or before? It was not after, but before! 11) And he received the sign of circumcision, a seal of the righteousness that he had by faith while he was still uncircumcised. So then, he is the father of all who believe but have not been circumcised, in order that righteousness might be credited to them. 12) And he is also the father of the circumcised who not only are circumcised but who also walk in the footsteps of the faith that our father Abraham had before he was circumcised.
Circumcision and baptism can be seen as parallels, an outward sign of an inward change.
For sake of space, please read all of Hebrews 11.
That being said, YES...I agree with the OP on this QUOTE "there have been hypothetical and emotional conviction," END QUOTE...
However, I will attribute THIS conviction as coming from the Holy Spirit and the grace of God and NOT as the OP has described as an unwillingness to accept the word of God. We put on Christ when there is a change in the heart condition, the circumcision of the heart. It is NOT an outward act, but an inward change, by faith...accepting what Jesus did for us AS wholly sufficient! Not by my works, no glory for me and all glory to HIM!
The general consensus of theologians is that Romans 10:9 meets the "minimum" requirements and it doesn't say "you MUST be baptized."
Romans 10:9 If you confess with your lips that Jesus is Lord and believe in your heart that God raised him from the dead, you will be saved.
Paul states that he was not sent to baptize:
1 Corinthians 1:12-17 [12] What I mean is this: One of you says, "I follow Paul"; another, "I follow Apollos"; another, "I follow Cephas" [Simon Peter]; still another, "I follow Christ." [13] Is Christ divided? Was Paul crucified for you? Were you baptized into the name of Paul? [14] I am thankful that I did not baptize any of you except Crispus and Gaius, [15] so no one can say that you were baptized into my name. [16] (Yes, I also baptized the household of Stephanas; beyond that, I don't remember if I baptized anyone else.) [17] For Christ did not send me to baptize, but to preach the gospel -- not with words of human wisdom, lest the cross of Christ be emptied of its power.
If baptism is necessary for salvation, what would be the point of Paul preaching but not baptizing?
We all must be careful to study the scriptures ourselves here folks, opinions of men here is not the litmus test to your answers of salvation.
For I desire mercy, not sacrifice, and acknowledgment of God rather than burnt offerings Hosea 6:6
One question:
When does Jesus enter the heart of the person professing belief in Him? Before or after the baptism?
All that said, if you are a Christian and you haven't been baptized, I encourage you to do so...the least it will do is enrich your walk with God.
Grace, mercy and peace from God the Father and Christ Jesus our Lord.