There is such a thing as justification by faith, such as the catechumen receives through BoD, but afterwards that justification will be lost if works (e.g, sacramental baptism) do not follow.
Didn't get too far before the first error, and it's a doozy.
In attempting to divorce the grace and the cooperation of the will from one another, you've face-planted into Pelagian heresy.
Sacraments involved both the work of God, a grace freely given, and the cooperation of the free will, which itself is motivateed by grace. You could say that there's a "work" involved in someone going to receive the Sacrament, or the one confecting the Sacrament, but Sacramental Baptism itself is no "work", which in fact, according to this heretical formulation of yours, had been PRECEDED by justification prior to said "work".
Not only that, but you just asserted the Prot heresy of "justification by faith". NO. That's precisely the dogma condemned by Trent, you baboon. Trent clearly teaches that there's no justication WITHOUT or PRIOR TO the Sacrament of Baptism. At best you can argue that there's the posibility of a BoD that's neverthless effected by Baptism, but this crap where you have a justification effected by faith that is simply lost if someone doens't follow through with Baptism, rather than as having Baptism as its instrumentcal cause?
...

Where did you come up with this sewage? This is actually an illustration of how BoD almost invariably leads to Pelagianism, and it's what St. Augustine realized later in life when he rejected BoD.