Quote
Pilgrim said:
speratus,

I'll say it one more time, "Baptism is NOT necessary nor instrumental in one's justification!" There simply isn't a shred of biblical warrant for anyone to believe this.

Quote
After man is regenerated and given faith, he cooperates in the works of the spirit. But such cooperation does not save him. Salvation is not of works less any man should boast.
This statement is far too vague and it would appear you are trying to circumvent the more specific statement I made and which is one of the core beliefs of the Reformed churches. Regeneration is the secret, sovereign and sole act of the Holy Spirit in which a sinner is a recipient and of which is not comprehended at its occurence. Conversion is that response of a sinner who has been regenerated wherein he/she repents of sin and believes upon Christ unto justification.

Put simply, a sinner in:

Regeneration - passive
Conversion - active

In His Grace,

Faith alone justifies which the Holy Ghost alone works without any cooperation by man. This is truly a regeneration. But the Holy Ghost does not work faith without means (Word and Sacrament).

The regenerate should not be concerned about the moment of their regeneration but take comfort in the promise of scripture, "He that believeth and is baptized shall be saved."