Yes.
It helps the conversation if you include the comments you're referring to.
>Just to be clear: You don’t believe that Baptism removes Original Sin or forgives actual sins? Or that it causes the indwelling of the Trinity? Or that it gives grace? It’s just a ritual that makes a person a member of a club?<
ME: Real life scenario: someone who is not saved is at the hospital with moments to live. they repent and profess faith in Christ. upon doing so they immediately die.
Are they saved?
Do they go to Heaven?
I presume your yes is an answer to these two questions. If that is the case it takes away the catholic teaching of the necessity of baptism for salvation does it not?