I’m a little puzzled.
Does this mean that baptism is nice but not necessary, and sins will be paid for not in the next world but only in this? Would that not mean that Paris Hilton is as pure as the driven snow?
For Southern Baptists, water baptism is very important as a public expression of obedience to God's word, but is not necessary for salvation. For us, salvation must have occurred already, before baptism. Water baptism recognizes and celebrates the already completed act of true salvation (faith). It is meant to be a first fruit of a truly changed heart.
As for sins, we believe they were all paid for (past, present, future) on the cross. That part (justification) is already done and over with.
As for Paris Hilton, if at some point in the past she truly repented of her sins and became a true believer, then she will be in Heaven some day. I cannot possibly know whether she is of the elect or not. All I can say is that in recent times, I have not seen much good fruit shaking from her tree. :)