Once again, Rome gets it wrong. So wrong.
No, you’re wrong. Grace IN baptism is saving grace. There is no baptism without water baptism.
I. Born Again in Water Baptism
John 1:32 - when Jesus was baptized, He was baptized in the water and the Spirit, which descended upon Him in the form of a dove. The Holy Spirit and water are required for baptism. Also, Jesus’ baptism was not the Christian baptism He later instituted. Jesus’ baptism was instead a royal anointing of the Son of David (Jesus) conferred by a Levite (John the Baptist) to reveal Christ to Israel, as it was foreshadowed in 1 Kings 1:39 when the Son of David (Solomon) was anointed by the Levitical priest Zadok. See John 1:31; cf. Matt. 3:16; Mark 1:9; Luke 3:21.
John 3:3,5 - Jesus says, “Truly, truly, unless one is born of water and the Spirit, he cannot enter the kingdom of God.” When Jesus said “water and the Spirit,” He was referring to baptism (which requires the use of water, and the work of the Spirit).
John 3:22 - after teaching on baptism, John says Jesus and the disciples did what? They went into Judea where the disciples baptized. Jesus’ teaching about being reborn by water and the Spirit is in the context of baptism.
John 4:1 - here is another reference to baptism which naturally flows from Jesus’ baptismal teaching in John 3:3-5.
Acts 8:36 – the eunuch recognizes the necessity of water for his baptism. Water and baptism are never separated in the Scriptures.
Acts 10:47 - Peter says “can anyone forbid water for baptizing these people..?” The Bible always links water and baptism.
Acts 22:16 – Ananias tells Saul, “arise and be baptized, and wash away your sins.” The “washing away” refers to water baptism.
Titus 3:5-6 – Paul writes about the “washing of regeneration,” which is “poured out on us” in reference to water baptism. “Washing” (loutron) generally refers to a ritual washing with water.
Heb. 10:22 – the author is also writing about water baptism in this verse. “Having our hearts sprinkled from an evil conscience and our bodies washed with pure water.” Our bodies are washed with pure water in water baptism.
2 Kings 5:14 - Naaman dipped himself seven times in the Jordan, and his flesh was restored like that of a child. This foreshadows the regenerative function of baptism, by water and the Holy Spirit.
Isaiah 44:3 - the Lord pours out His water and His Spirit. Water and the Spirit are linked to baptism. The Bible never separates them.
Ezek. 36:25-27 - the Lord promises He will sprinkle us with water to cleanse us from sin and give us a new heart and spirit. Paul refers to this verse in Heb. 10:22. The teaching of Ezekiel foreshadows the salvific nature of Christian baptism instituted by Jesus and taught in John 3:5, Titus 3:5, 1 Peter 3:21 and Acts 22:16.
http://www.scripturecatholic.com/baptism.html#baptism-I