In order to be saved, as a Catholic, you need 3 things : faith, sacraments OR desire for them, and good works.
Ok, you are correct, generally speaking. But here's the problem: BOD does not supply supernatural faith or supernatural charity.
1. Faith - Trent explains that a person before baptism can have NATURAL faith in God/religion/sacraments. But only AFTER the sacrament, does he receive supernatural faith.
2. Sacrament - Trent declares infallible that only the SACRAMENT avails one to salvation. Trent does not distinguish between the sacramental graces and the sacrament.
3. Good works - One can only have good works, if they are in the state of grace (i.e. have the SUPERNATURAL virtues of faith, hope and charity). One can have NATURAL good works prior to baptism, but one cannot have the SUPERNATURAL means of doing "good works" prior to baptism.
BOD cannot supply supernatural faith, hope or charity. There are no good works for a person (supernaturally) without the sacrament. BOD cannot save.