You still fail to cite where the Magisterium defines what must be believed about BoD, other than that there's this votum somehow related to justification. Then you hypocritically cite Fenton, who upheld the infallible safety of the Magisterium, as an authority. Regardless all he's saying is that the Church's necessity for salvation is revealed (whether in re or in voto). This means that you must hold that it's least necessary in voto, not that it must be believed that in voto belonging to the Church suffices for salvation. So you twist the meaning of the quote. Nor does the quote have anything directly to do with Baptism, but with the Church.
I believe that some of the criteria for membership in the Church can be achieved in voto. So, for instance, one does not lose membership in the Church for failing to be subject to the Supreme Pontiff during, say, a time of sede vacante, or if one has been unjustly excommunicated. I also believe that someone can belong to the Church in voto in the sense that if you have someone converted by a missionary who believes in the basic mysteries of the faith and who is baptized, even if he had not gotten to explicitly believing in the Church and submitting to the Church's teaching authority, that intention could be there in voto.
That some of the effects of Baptism can be had in voto, I agree. That all of the effects of Baptism can be had in voto, I deny. In fact, EVERYBODY denies that the character of Baptism can be had in voto. And MEMBERSHIP in the Church is not achieved without the Sacrament.
So this reduces to a discussion of what are the ramifications of not having the Sacramental character and not having membership in the Church.