Faith is just the beginning, the starting point.
What is begun in faith continues in faith. Jesus gave us commands and every true child of God desires to obey them all, though we are not perfect. But consider what Paul says:
Galatians 3:2-3 This only would I learn of you, Received ye the Spirit by the works of the law, or by the hearing of faith? (3) Are ye so foolish? having begun in the Spirit, are ye now made perfect by the flesh?What is missed by the "faith is just the beginning" theory is that all obedience is a byproduct of faith. The two are not separable. If we obey him in baptism, or in taking the Lord's Supper, or in any other command, it is because we believe in Him, and that all He tels us to do is right and good and wholesome, not because we are expecting to earn credit for our effort. Salvation is not a quid pro quo business arrangement. It's a marriage. There is a commitment from both parties. We've been forgiven. We don't labor to gain His favor. We already have it. We labor to do good because it is the only possible response of love.
What you said.
Faith can be lost, so this statement is untrue. Continued faith, though, is required for all progress toward God. Paul's faith converted him on the Road to Damascus. That same faith continues in our good works. As you've stated it's the natural response to Charity. The goal is godliness. We are called to perfection.
Nonetheless, baptism is a necessary condition for salvation. It all begins with faith, but you must be baptized. For that you need authority and for authority you need continuing revelation. That's my point, as well as the Bible's.
BTW, how is a proper anointing conducted per James 5:14?