Baptism is clearly tied to the remission of sins(Acts 2:38),washing away sins(Acts 22:16) and putting on Christ(Galatians 3:27). If you believe that you can be saved before your sins have been remitted, before they have been washed away, and before you have put on Christ, then so be it. I, for one, believe that none of these things can be accomplished without baptism, since that is what the Bible teaches. If you don't agree, that is your right.
You asked me for scripture. I gave them to you. What you do with them is up to you.