Tertullian, treatise on BAPTISM 18,4 (c. AD 200-206)
"According to circumstance and disposition and even age of the individual person, it may be better to delay Baptism; and especially so in the case of little children. Why, indeed, is it necessary – if it be not a case of necessity – that the sponsors to be thrust into danger, when they themselves may fail to fulfill their promises by reason of death, or when they may be disappointed by the growth of an evil disposition? Indeed the Lord says, ‘Do not forbid them to come to me’ [Matt 19:14; Luke 18:16].
"Let them come, then, while they grow up, while they learn, while they are taught to whom to come; let them become Christians when they will have been able to know Christ! Why does the innocent age hasten to the remission of sins? …For no less cause should the unmarried also be deferred, in whom there is an aptness to temptation – in virgins on account of their ripeness as also in the widowed on account of their freedom – until they are married or are better strengthened for continence. Anyone who understands the seriousness of Baptism will fear its reception more than its deferral. Sound faith is secure of its sal
I’m not sure how you interpret that.
And again, what Jesus says about children trumps any other reasoning to me. As you can admit, it’s not the water that does the Baptizing; it’s coming to God with a clear heart. That’s why Baptism of desire is valid in the CC.