Baptism does initially save you. (1Peter 3:21, Titus 3:5-7, Jn 3:3-5). Of coarse you also have to have faith(Jn 3:16) and works(James 2:24).
I can definitely see how you, and many others, come to this conclusion from reading certain verses, but the one thing it's important to notice is that baptism, as put forth in Scripture, is
never presented as having a saving power all its own. Its what precedes it, and what it represents that does the actual saving.
Let's start with John the Baptist. He always preached baptism in accordance with repentance. Baptism means nothing apart from repentance. John the Baptist also pointed to Christ and said He would baptize not with water, but with the Holy Spirit and fire (Luke 3:16).
After Pentecost, Peter also preached baptism along with repentance. (Acts 2:38) Notice he says "Repent...and be baptized," not "be baptized and repent." Repentance comes first.
The verses in Titus do not specifically mention baptism.
The verses in John also do not specifically mention baptism. Jesus simply said one cannot enter the kingdom of God without being born of water andthe Spirit. It is stretching the meaning of the verse to say it's saying one must be baptized to be saved.
The verse in I Peter says "baptism now saves you.....
through the resurrection of Jesus Christ." The part "through the resurrection of Jesus Christ" is key.
One has to look at verses in context, and always balance them with other Scriptures. Such as Romans 6, which clarifies the meaning of baptism. And John 3:16, as you cited, does not mention baptism as a requirement for being saved. Neither does Romans 10:9.
My point is, in short, not to say that baptism is not important. It is
very important. However, it is dangerous to say that baptism is what initially saves someone. Because then someone without any faith and repentance can be baptized, wrongly assuming that's all they have to do to be saved, and then they go their merry way, unchanged, and no better off than they were before.
You are absolutely right that faith and works are essential. We just have to be careful to present all four things----faith, repentance, baptism, and works---in the same way they are presented in Scripture. To get them in the right order, and understand the significance of each. Faith and repentance always come first, then baptism, then works. Faith and repentance save us from hell, baptism cleanses us and represents our flesh being crucified (identifying with Christ), and then works should be the natural outcome of a living, active faith.
So, I still, ever so respectfully, disagree with you.