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My make-believe story; you either misread or wanted to misread!  The story clearly speaks of two learning the faith.  One received the Sacrament,

Great.  The first person used his free will to accept the actual graces necessary to embrace the Faith and Baptism.
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the other only the desire through no fault of his own was killed before the Sacrament was administered.

Ha, ha.  Except for ѕυιcιdє and stupidity (i.e. taking a selfie on the edge of a cliff, slipping and falling to one's death accidentally), everyone dies "through no fault of his own".
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Who allowed person #2 to die before reception of Baptism?  God.
Who knew, from all eternity, when person #2 was going to die?  God.
Who is the only person who can read hearts, and who truly knows if person #2 desired to be baptized?  God.
Can you, me or anyone swear on a bible and say we knew, with 100% clarity, that person #2 wanted to be baptized?  No.
Therefore, who stopped person #2's life, being able to read his heart, and did so with full, complete, absolute knowledge?  God.
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Are you questioning God's motives and knowledge?  Yes.
Should you repent of this sin?  Yes.
Should you beg for a greater faith in God's all-knowing, all-powerful, all-loving Providential care and His all-encompassing desire that all men be saved?  Yes x 1,000,000.
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Who was saved Pax Vobis,  pick one:   Both or only the one who received the Sacrament or none?

Who was saved?  I have no idea.  I can't read hearts.  All I know is who was baptized at the time of death.  Person 1 was baptized, so they had the opportunity to be saved.  Person 2 was not baptized, so they were definitely not saved.  They could have made it to Limbo and had a natural happiness.  Or, they were damned for privately rejecting baptism; only God knows.
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Who was a member of the Church when they died?  Person 1 only.
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This story illustrates how the Church teaches BOD.  The Church does NOT teach BOD is a substitute for the Sacrament, as if it could even apply if death is not carried out.

This story illustrates your own, silly, theological fantasy.  There is no catechism, book, council, papal docuмent or manual which explains the answer to your story.  If you presented your story to 100 other pro-BOD friends, you would get 100 different answers because nothing about BOD details are explained anywhere.  So there's no uniform agreement on what it is, or how it works.  If there was, then you wouldn't have to make up a story; you could just quote pages from a church-approved book.

The SSPV, The Roman Catholic,  Fall 2003, p. 7: “With the strict, literal interpretation of this doctrine, however, I must take issue, for if I read and understand the strict interpreters correctly, nowhere is allowance made for invincible ignorance, conscience, or good faith on the part of those who are not actual or formal members of the Church at the moment of death.  It is inconceivable to me that, of all the billions of non-Catholics who have died in the past nineteen and one-half centuries, none of them were in good faith in this matter and, if they were, I simply refuse to believe that hell is their eternal destiny.”

Does anyone have access to the original source for this quote?  I see it copied and pasted a lot but I've never seen the original source.  I tried googling for it, but came up emptyhanded (except for other places where the quote is provided by itself).