*We would not dare tell any individual that he could be saved without it;
*indeed, we should tell him that he could not, if, knowing the commands and having the opportunity, he should refuse.
But while it becomes us to be baptized, thus to fulfill all righteousness, we remember that:
• With the heart man believes unto righteousness (Romans 10:10);
• There can be no righteousness without belief; and
• Only “he that believes and is baptized, shall be saved.” Mark 16:16.
We do not decry the observance of forms, if those forms have been commanded.
There is no element of superstition in humble obedience to a divine command, no matter how trivial the required act may seem."
E.J. Waggoner