“To be unsaved, she’d have to have had the Spirit and then rejected it.” - That is a dangerous statement. The spirit indwells you when you have acknowledged that Christ died for our sins, was buried and rose on the third day (1 Cor 3-4), and you confess and acknowledge that God raised him from the dead...(Rom 10:9-10).
You might want to reword that statement if that is not what you meant.
No, not always. And even though Alley was raised Methodist, is there evidence that she went through the baptism process in such a manner? Such things take full understanding of the gravity of, as Hebrews 10:26-31 illustrates, deliberately and antagonistically fighting against God.