Hey, it was you that agreed with me. You made that call.
1 Peter 3:21 is another verse often used by the baptismal regenerationist. But notice carefully the actual wording and the context. Noah and his family were not saved by the water, but from the water of judgment. Their salvation came by being inside the ark, the ark being a figure or a type of the believer's salvation from judgment by being in Christ. In the 21st verse it says: "The like figure whereunto even baptism doth also now save us." Baptism is here used to illustrate by way of a figure of speech the operation of God which takes place inwardly upon believing. The "figure" (baptism) speaks of our identification with Christ who has saved us-He was the "ark" of Noah's salvation. The salvation the sinner is afforded comes through His saving grace. The rest of the verse bears this truth out; it's not the putting away of the filth of the flesh (through ceremonial washings-a reference to Old Testament ritual), but the answer of a good conscience toward God. It is always heartfelt faith in the shed blood of the Lamb and in His glorious, bodily resurrection that renders the sinner justified before an all Holy God! Rom. 10:9; Heb. 9:14.
http://www.fundamentalbiblechurch.org/Tracts/fbcbaptr.htm