I am not an authority on who is going to hell or heaven.
I, personally, would not feel I was saved unless I had done what God gave instruction to do.
I could go into much explanation of why baptism is needed (God has always required cleanliness to be in his presence in the holy place). Even Christ was baptised and why would he have done that if it was not what God wished?
Yet, there is no question that Christ paid the price for our salvation and that is what makes us worthy to be in God's presence someday. Yet, we do all the steps specified in order to receive that most wonderful gift.
The reason? We are told to repent and be baptised and we would be saved. So, therefore, the Church of Christ teaches repent, confess your belief in Jesus, be buried with Christ in baptism and you arise a new person following Christ.
What is so awful about trying to follow simple instructions to receive such a wonderful gift?
Do you think I should quibble about how much I do - when Christ came to earth, was crucified on the cross and suffered for my sins? And, I am to say - ok, but I don't have to be baptised - that is just too much to ask?
Wake up and realize what you are complaining about. The gift of eternal life, a gift so powerful and we complain that we don't need baptism?
Not me.
Then if i was you, I wouldn't go around arguing about what the Church of Christ believes when you can't back it up.
1 John 1:7
But if we walk in the light, as he is in the light,
we have fellowship one with another,
and the blood of Jesus Christ his Son cleanseth us from all sin.