You will find discussions get off track very easily. My reason for this OP is very serious business because it is foundational to false doctrine the church baths in.
Let me first apologize for whatever degree to which I caused this thread to get off track. It was not my intention to do that at all. Secondly, let me commend you and agree with you that this is indeed a very important topic and discussion that has served to divide the Church and its members many times over the course of its history. And it continues to have the potential to do that again in this day. So right on, brother, I am with you and I am on board!
That said, I would like to re-engage this topic if I may from slightly a different vantage point. AND I will say up front that it is ever so slight. The belief and concern that those who hold to a baptismal regeneration view have is that baptism actually actuates the forgiveness of sins: "... and be baptized for the forgiveness of sins..." (Acts 2:38) It is not out of pride alone, if at all, that they will not relent in their steadfastness here; it is because they believe very much that it is the truth, and out of concern for you and the well being of others and the Church at large they want you to believe it too, that by all means you too may be saved.
1) Here is the problem with that view. 2) AND here is the reason why your side has not been effective in changing opinions against it. 3) BOTH sides operate from an insufficient view of the atonement. Both their theory of Christ's atoning work and your theory of the same are too narrow to break the impasse. Whether baptism effectuates the forgiveness of sins, as they suggest, or justification is by grace alone through faith alone, as do you, both are irrelevant at this point. 4) BECAUSE neither forgiveness nor justification
equals what Christ did in making atonement for us; that is, neither equals salvation. Humbly I say to you, Cross Reference, your statement about innocent and blameless infants not needing salvation by Jesus Christ proves this point. But I digress.
At every point of our walk of salvation Jesus Christ steps in for us and vicariously accomplishes what we ourselves are perilously inept at doing. Whether it be faith, repentance, baptism, obedience, sanctification, communion, prayer and confession or loving God and others: at every point it is his vicarious activity on our behalf that covers our frail attempts at getting it right and sees us through. And so, as it relates to the topic at hand, let us look to Jesus’ baptism by John in order to understand how baptism relates to us.
Why was Jesus baptized? John’s baptism was a baptism of repentance. So, why did Jesus need to be baptized, did he have sins to confess, did he need to repent? These are not silly questions. Indeed they are the very questions that were on John’s mind (See Mat 3.14). I am going to shock you here but the answer to these questions is yes. Yes, Jesus had sins to confess: They were our sins. And, yes, Jesus needed to repent: Not for himself, but for us. Look at what he said: "Permit it to be so now, for thus it is fitting for us to fulfill all righteousness." The Greek word for righteousness is also the word for justification. Jesus was baptized “to fulfill ALL justification.” Jesus had no sins of his own to confess, yet he came confessing sins. Jesus had nothing of which to repent, yet he came repenting. Why? To fulfill all righteousness on our behalf. To fulfill ALL justification for us. This is the only answer to John’s question that is applicable. “Permit it to be so…”
Baptism for the forgiveness of sins is not salvific; it does not regenerate: for even if it brings forgiveness, we are still gonna die (That was the problem with those infants). There has to be more or we are not going to be resurrected. Everlasting life eludes us. But let Jesus step into every point of your understanding and you will see how it is that his baptism does bring with it the POWER of resurrection. Romans 6.4: “Therefore we were buried with Him through baptism into death, that just as Christ was raised from the dead by the glory of the Father, even so we also should walk in newness of life.”
Blessings, T.