Give God a little credit."
I would give God more than a little credit in this manner: I would say that God would never allow someone to die on the way to baptism. It is silly to think that all existence is maintained by God, yet somehow God cannot prevent accidents, as if He were not the author of all things, and as if he had no control over a person's death.
I therefore give more credit to God than has been portrayed.
St. Robert Bellarmine: God provides Baptism for all His elect."
Therefore, someone in the situation I described is damned. Thank you.
SD