I don't think you realize this, but what you are saying is that God specifically denies the sincere, dying soul, the requisite (of the sacrament of baptism) which He Himself established as necessary for our salvation. You are further saying this denial of God providing the sacrament to the sincere soul occurs due to the person's own ignorance of the necessity of being baptized and belonging to the Catholic Church, which requisite God also established but denied him ("through no fault of his own"), is dogma.
In short, what you are saying is God specifically denies providing the sacrament and the faith to the "ignorant penitent"(?) and that this is dogma. However, you say it in a whole different way, you say the person is not culpable for being ignorant of the necessity of the faith, so God accepts his ignorance and lets the person into heaven even though he never had the faith nor ever received the sacrament.
There is no possible way I can accept this because it wholly contradicts fundamental Catholic teachings and defined dogma which explicitly states that both the faith and the sacrament are necessary for salvation.
Actually my friend this is what you are pretty much saying. I can see you do not lack the intellectual skills to accept the teaching and the various distinctions and nuances it entails.
What you are saying is that God denies the sincere soul, not guilty of mortal sin, the sanctifying grace necessary through baptism of the Holy Ghost (BOD) when physical baptism is impossible apart from some physical miracle.
Remember the sacrament is established as necessary with a
relative necessity of means which means it or its replacements are
absolutely necessary for salvation to be possible. It is not a choice of whether one wants sacramental baptism or decides he would rather just desire it. The baptism of the Holy Ghost can only take effect when sacramental baptism is impossible and the other requisites are present. I do not see how this could be a common or frequent thing. Their salvation is not secure as those who have infallible teaching, salvific disciplines and sanctifying sacraments available to them. But they can be saved and will be if they die in a state of sanctifying grace.