That thought also came to my mind; however, the penitent must still go to the actual SACRAMENT if they survived, which begs the question; was it the sacrament to the fullest? Just as BOD is not a Sacrament, it suffices if death occurs,
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Trent does not say, teach or imply that a BOD'er who dies before reception of ACTUAL baptism, is saved. Trent only says that those who vow to receive baptism, can get a "head start" on being in a state of grace. Further, Trent says that the SACRAMENT is necessary for heaven. BOD isn't a sacrament, so it cannot provide heaven. Forget catechisms, they are not infallible.
The pope does not write catechisms. They can be tampered with and many have been proven to have deliberate mis-translations..
God does not create rules/doctrine in order to break them. This would be a destruction if His integrity, authority and respect. “Oh what kind of God makes rules that can’t be followed and He has to break them?”, pagans would say. It would destroy the fabric of Catholicism. It would destroy our respect for God.
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This also applies to BOD. The graces of justification ONLY work for those who vow/promise to receive the sacrament. Those that 1) are unable to, or 2) made an insincere promise do NOT get the graces.
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Those that die before reception of the sacrament, we can (and must) say that 1) they were not sincere or 2) God worked a miracle to provide water baptism that we didn’t see or weren’t there.
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To say that a person dies before baptism and goes to heave due to BOD is heresy and accuses God of changing the rules. It accuses God of lying to us, and makes doctrine arbitrary because God changes whatever, whenever.
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The proper catholic explanation is that God created the rules of the sacraments. God is unchanging and eternal, so His rules for grace and holiness are unchanging and eternal. If one can not fulfill the rules humanly, God will work a miracle to fulfill the rules. He does not suspend or alter the rules. In a sense, He’s not allowed. He cannot deceive.
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This is why those who try to explain BOD outside of the rules are utterly confused and never agree. Because anything not of God leads to confusion.