Decem, I recommend that you study the Decree on Justification of the Council of Trent, entirely and in detail. It is very clear and leaves no doubt. And it is pertinent, while all other sources are not pertinent (see my previous post). You should first be concerned about your own salvation for the sake of truth. Don't misinterpret the Council of Trent, just for the sake of whatever ideas you personally like or prefer.
BoD-heretics misuse one small statement in the whole decree. They misinterpret a necessary condition to render a sufficient condition. "Not without this or that" does neither mean that this is sufficient, nor that that is sufficent, nor that both this and that are sufficient. It means that both are necessary, not sufficient. It is a necessary condition not a sufficient condition. Not even both desiring to be baptized and actually being baptised is sufficient to be justified. More is needed, as the decree explains. E.g. a preparation is necessary.
Also, the decree explains that the "faith" of a catechumen is not enough. A candidate needs faith, hope, and charity infused by the sacrament. The rite even has the candidate ask for the faith. "What do you ask the Church for?" He has to answer: "the faith". Study the whole text, the decree very clearly states all these aspects. The sacrament is the instrumental cause of justification. There is no justification without the sacrament.
You understand logic and language, I don't write to make you believe what I say. I want you to study the text, having your own salvation in mind.