JPete, you need to do a little bit more of a comprehensive study of this. You’re right! Baptism is not just the “removal of dirt”. That is the baptism of John the Baptist. “11"I baptize you with**(“
http://www.biblegateway.com/passage/?search=Matthew 3;&version=31;#fen-NIV-23204b”)] water for repentance. But after me will come one who is more powerful than I, whose sandals I am not fit to carry. He will baptize you with the Holy Spirit and with fire.” (Matt 3:11) However, Jesus will baptize with the Holy Spirit. Notice that baptism presupposes water. In John 3:5 he states, "5Jesus answered, “I tell you the truth, no one can enter the kingdom of God unless he is born of
water and the Spirit.” Notice that Jesus does not separate water from Spirit in baptism. One occurs through the other. Notice how Matthew goes on to describe the very thing I (and Catholics) speak of about what occurs during baptism. “16As soon as Jesus was baptized, he went up out of the water. At that moment heaven was opened, and he saw the Spirit of God descending like a dove and lighting on him.” (Matt 3:16) Notice that it was THROUGH the water that the Holy Spirit descended upon Christ. This wasn’t some abstract thing, it was concrete through the form of water.
There are tons of verses referring to our salvation that use language to suggest baptism (i.e. washing, water, etc.) We see examples of this in almost every book of the NT.
" 5he saved us, not because of righteous things we had done, but because of his mercy. He saved us through THE WASHING OF REBIRTH AND RENEWAL OF THE HOLY SPIRIT," (Tit 3:5). Notice that these two are again tied together. Hebrews 10:22 states, **“22let us draw near to God with a sincere heart in full assurance of faith, having our hearts sprinkled to cleanse us from a guilty conscience and having our bodies WASHED WITH PURE WATER.” **Paul ties our justification and sanctification to baptism in 1 Cor 6:11, **“But you were WASHED, you were sanctified, you were justified in the name of the Lord Jesus Christ and by the Spirit of our God.” **We have already seen that we die to ourselves in baptism so that we may live again, in Rom 6:4,
"4We were therefore buried with him through BAPTISM into death in order that, just as Christ was raised from the dead through the glory of the Father, WE TOO MAY HAVE NEW LIFE."
Let us not forget Paul in Galatians says that we who “27…were baptized into Christ have clothed

ourselves with Christ.” (Gal 3:27). He says the same thing in Romans 6:3, “3Or don’t you know that all of us who were baptized into Christ Jesus were baptized into his death?” Point being is that there is a little more going on here than you are giving credit to.
When one takes a canonical look at baptism, it is impossible to explain the preponderance of evidence away. When Peter states, “the PLEDGE of a good conscience toward God” (1 Pet 3:21), I say AMEN! That’s what the sacraments are. They are pledges. Actually, they are more like OATHS. We are swearing an oath, or in other words making a covenant with God. That argument does not work in your favor, it supports the Catholic position.