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God is not the Almighty Terrorizer, and personally, I believe that to seriously consider such a hypothetical situation as a real life example is insulting to God, Who promised that whatever we desire, "whatever we ask necessary to salvation with humility, fervour, perseverance, and other due circuмstances, we may be assured God will grant when it is best for us. If we do not obtain what we pray for, we must suppose it is not conducive to our salvation, in comparison of which all else is of little moment". -Haydock, re: Mat. 7:8

Always remember and understand, that Almighty God provided you with the time to do it, and the water for doing it, and the minister for doing it. Always remember that if God arranged for you to be baptized, it is by the very same Providence He can arrange for anyone else who desires or is willing to receive it and that a BOD denies this truth.

If the child were to be struck by lightning and if you have faith, then you would know with absolute certainty that it would be  on his way home, after being baptized - that is the only way it works with God, always.
 

The thing is, I remember your hypothetical situation being asked since I was a child. The answer given was always the same, namely, if that person died on his way to be baptized, it was most likely  because that person was insincere in their desire to be baptized and God knew it. By taking him early, the ever merciful God saved that person additional suffering.

As a trad child, that was the standard answer from relatives, priests and nuns who were still trads. How did that clear answer full of simple reasoning and faith, ever get flipped over to a BOD?

The damned who have the character of Baptism, AKA the seal, suffer greater punishments.