I did tell you sir that I believe what the Church teaches. It is not so simple as you would like to paint it and that is why I quoted the theologians Joseph Pohle and Arthur Preuss who wrote a 12 volume textbook on Moral theology. If you read their text on explicit and implicit desire you will see that what it said. I will not reject the Church's teaching - I do not have the right . The footnotes give clear references to doctrines of the Fathers and other theologians of the Church.
The Catechism Explained by Spirago and Clark does not even use the words universal, explicit or implicit faith on the page which one is directed to from the index. If they are not going to touch those words but give a broader explanation, I will not touch those words either. God has not given me the grace to fully understand it. I do understand this regarding explicit desire or implicit desire - if a soul chooses not to follow his heart -the natural law that is imprinted there -and does not ask about God then that soul has cut himself off from the truth and can advance no further. No, he would not be saved.
Here is a simple explanation written for a simple one like me:
"From the Catechism of the Council of Trent
Necessity of Baptism
If the knowledge of what has been hitherto explained be, as it is, of highest importance to the faithful, it is no less important to them to learn that the law of Baptism, as established by our Lord, extends to all, so that unless they are regenerated to God through the grace of Baptism, be their parents Christians or infidels, they are born to eternal misery and destruction. Pastors, therefore, should often explain these words of the Gospel: Unless a man be born again of water and the Holy Ghost, he cannot enter into the kingdom of God."
Of course, this does not includes the teachings on desire and blood which as the Church definitely teaches, the catechumen, instructed in the faith and desiring the sacrament, if they should die before they receive the sacrament, avail to the grace it would have brought them. It seems that I must say this because if I omit this minor point again, you might think that I have not included it.
But as I stated earlier on, the Church defines it further in more depth in her manuals written by theologians for those learned scholars and grace filled souls who can understand the mysteries of the faith more deeply. I submit to those teachings and hope I will understand the full import of the nuances someday. If I make it to heaven, I will.
With that said , the catechisms are written to teach the faith in a simplified concise manner for laymen. The Catechism of the Council of Trent was written for priests and therefore gives more advanced explanations. The commentary in the Rheims New Testament, written by priests who translated the Latin Vulgate Bible, explains the faith to laypeople. Clerics could read Latin and did not need the English translation. So that commentary was written by expert Latinists who knew the faith much better than you (unless you are a saint, of course) or I and who also new the doctrines and dogma especially as were taught at the Council of Trent. Maybe you would like to take up their commentary with them? I certainly will not argue with it.
The Deposit of Faith is much greater than the sum total of Dogmatic pronouncements by the popes. Our submission to what the combined Solemn and Ordinary Magisterium teaches is the crux of the matter.