(yes I saw that later and deleted that post…

)
Because that IS the story given in the question - and that is what I answered mostly to (see above).
God can work outside the Sacraments - and God can begin things prior to the Sacrament of Baptism. As in the case of Cornelius in Acts.
Or even outside the Sacraments he has given us. God wills that one be baptized but God can work outside that too - for example in the case of person who does not know of the reality of baptism.
This is correct. In fact it is the first movement of grace and responding to it, Baptism of desire. Though the normative means of salvation is baptism, and the first thing cornelius does and his household is be baptized.
But basically the gist of the thread, being candid, is not only about OSAS and me and Jesus alone but essentially relying on a loophole instead of following the will of God. Or put simply whats the least I need to get to heaven and no more. Which frankly defeats the purpose of being given the Holy Spirit, that is, to do the will of God.
However where I see a bigger problem is judging oneself, instead of allowing God to be the judge. From a biblical viewpoint it is putting yourself in the place of God
1 Pet 2:19 For one is approved if, mindful of God, he endures pain while suffering unjustly.
20 For what credit is it, if when you do wrong and are beaten for it you take it patiently? But if when you do right and suffer for it you take it patiently, you have God’s approval.
21 For to this you have been called, because Christ also suffered for you, leaving you an example, that you should follow in his steps.
In the above Christ is our example that we are to follow, and what does he do on the cross:
Lk 23: 46 Then Jesus, crying with a loud voice, said, “Father, into thy hands I commit my spirit!” And having said this he breathed his last.
Peter tells us this about his suffering and death on the cross
1 Pet 2:
22 He committed no sin; no guile was found on his lips.
23 When he was reviled, he did not revile in return; when he suffered, he did not threaten; but he entrusted himself to who judges justly.
That’s absolute trust in God, the same we are asked. OSAS presumes to tell God “Hey I’m in”, without Him judging the secrets of the heart. That’s not trust and frankly the opposite of humility.
Lk 23:46 refers to psalm 31, where the suffering servant puts is absolute trust in God. Christ knows exactly what He is saying and still teaching from the cross
Peace and God Bless
Nicene