St. Alphonsus in commenting on Trent said,
"Who can deny that the act of perfect love of God, which is sufficient for justification, includes an implicit desire of Baptism, of Penance, and of the Eucharist. He who wishes the whole wishes the every part of that whole and all the means necessary for its attainment. In order to be justified without baptism, an infidel must love God above all things, and must have an universal will to observe all the divine precepts"
It is the underlined portion that your question takes no account of, Jehanne.
This is clearly seen also in Trent itself where desire is used for each and every one of these sacraments, baptism, penance, Eucharist.
It is this that those who do not believe in baptism of desire fail to understand. When a man, under the activity of actual grace and in response to it, truly begins to love God above all things, by that very fact he wills to do all that God has commanded, and that very moment he is translated to sanctifying grace. If he truly loves God, even though he be ignorant of some obligation, when that obligation is made known to him, he will be the first to satisfy it, whether it be professing some article of faith, or confessing some specific fault.
In addition to a truly universal will to observe all the divine precents, explicit faith in the primary articles of faith is necessary by a necessity of means to have supernatural faith, without which supernatural charity is impossible.