Sorry you just said before that Jesus said " Whoever believes and is baptized will be saved, but whoever does not believe will be condemned. "That is totally not true. Salvation does not take years to happen. It happens the moment one believes! Baptism is just an outward acknowledgment of what has happened inward.
I got saved 40+ years ago. I am just as saved today as I was back then.
Salvation is through Faith in Christ.
If the Gospel says "repent and be baptised for the remission of sins" then faith means you believe and do it.
otherwise is not saving faith. is not just faith to whatever, Faith in the Gospel only saves. How one has faith when actually dont believe the Words of Jesus? (i dont speak about you, i speak about your religion)
And yes you must put Christ upon, you must have FAITH ti the Gospel :
-REPENT (Die for your sins as Jesus dies for you)
-Baptism in water (you must be burried with him)
-Receive the Spirit (walk a new life like Jesus resurrected from the dead)
there is not any salvation in the Bible like "accept Christ in your heart" etc.that is Religion.