I don't. It is a work of God to place the need for baptism on ones heart. Christians who are obedient to His call illustrate their belief by following the Lord Jesus in baptism. But as RN stated, if on your way to be baptized you get run over by a train it will not affect your salvation.
As I stated, using "hard cases", such as dying on the way to baptism, does NOT negate clear teaching of the New Testament. Acts 2:38 does not say that baptism illustrates belief, it says that baptism is for the remission of sins.