Baptism is necessary for salvation. THere is no way around that for Catholics. THere are many people who tout invincible ignorance, as if ignorance and God’s grace are synonymous; they are not.
The best way for me to describe it, is that Jesus said that unless a man is born of water and Spirit, he cannot enter the kingdom of heaven. Jesus told this to Nicodemus, who was a Pharisee, in John Chapter 3.
The Ecumenical Council of Trent, which speaks on behalf of the whole church and therefore is binding on the whole church, has infallibly equated Jesus’ statement in John 3 with Sacramental Water Baptism: COuncil of Trent Session 7, On Baptism, Canon 2.
CANON II.-If any one saith, that true and natural water is not of necessity for baptism, and, on that account, wrests,
to some sort of metaphor, those words of our Lord Jesus Christ; Unless a man be born again of water and the Holy Ghost; let him be anathema.
Clearly The Council envisions Christ’s Plain meaning: “Those who are not baptized cannot enter the kingdom of Heaven.” As Applies to John Chapter 3.
However, the only Notable exception which has some basis in an ecumenical council is What Trent had said earlier in the decree on Justification: Session 6 Chapter iv:
CHAPTER IV.
"A description is introduced of the Justification of the impious, and of the Manner thereof under the law of grace.
By which words, a description of the Justification of the impious is indicated,-as being a translation, from that state wherein man is born a child of the first Adam, to the state of grace, and of the adoption of the sons of God, through the second Adam, Jesus Christ, our Saviour. And this translation, since the promulgation of the Gospel,
cannot be effected, without the laver of regeneration, or the desire thereof, as it is written; unless a man be born again of water and the Holy Ghost, he cannot enter into the Kingdom of God."
Many People try and say “See, baptism of desire, a person in goodwill can be saved if they had known about baptism, therefore GOd must offer them the oppurtunity to somehow be miraculously baptized or have the effects of baptism applied post-humously.”
That is not what is said. There is no way to be saved except baptism, or the vowed intention to receive it. TO desire it, you have to know about it; TO know about it you have to hear about it; to hear about it, you must be dispelled from ignorance.
So, no, THe Jesus-only individualistic, Protestant “Born-again” experience is not conducive to salvation, because it is not loving GOd on his terms as established through the Church, it is loving God on MY terms.
COuld he be a Jew in SPirit who was not circumcised? COuld he take parts of the law and not the whole and claim to be a follower of Mosse and Yod Heh Waw Heh?
No. Half-measures only get you half-way. And halfway is not home.