Being regenerated means God has touched your heart soul and mind and changed you permanently. It is not being water baptised. A Baby is not going to know what faith means. You have to be older in age to comprehend things. And yes I was baptised as a new born baby at a Catholic church. So what difference does that make? If you are not regenerated before you take a water baptism then it is meaningless and if you get saved after being water baptised then you don't know when you were saved. None of that matters in any case because if you cannot say you have experienced God it is completely superfluous. Have you unmistakenly experienced God?? Yes or no? If you DON'T KNOW, you haven't yet.
These are the benefits of baptism (which is water and God's word):
1 Peter 3:20-21. … in the days of Noah while the ark was being built. In it a few people, eight in all, were saved through water — and this water symbolizes
Baptism that now saves you also.
Colossians 2:11-12. In Him you were also circumcised with a circumcision made without hands, in the removal of the body of the flesh by the circumcision of Christ,
having been buried with Him in Baptism, in which you were also raised up with Him through faith in the working of God, who raised Him from the dead.
Romans 6:3-10. Or do you not know that
all of us who have been baptized into Christ Jesus have been baptized into His death? Therefore
we have been buried with Him through Baptism into death, so that as Christ was raised from the dead through the glory of the Father, so we too might walk in newness of life. For if
we have become united with Him in the likeness of His death, certainly we shall also be in the likeness of His resurrection, knowing this, that our old self was crucified with Him, in order that our body of sin might be done away with, so that we would no longer be slaves to sin; for he who has died is freed from sin. Now if we have died with Christ, we believe that we shall also live with Him, knowing that Christ, having been raised from the dead, is never to die again; death no longer is master over Him. For the death that He died, He died to sin once for all; but the life that He lives, He lives to God.
* Note: These passages from Colossians and Romans are summarized well by Dr. Lowell Green: “Baptism is the retroactive participation in the work of Good Friday and Easter Sunday — even better, it is incorporation into the body of the risen and ascended Savior ...”
Galatians 3:27. For
all of you who were baptized into Christ have clothed yourselves with Christ.
Eph. 5:26. Christ loved the church and gave Himself up for her to make her holy,
cleansing her by the washing with water through the word.
Titus 3:5. He saved us, not because of works done by us in righteousness, but according to his own mercy,
by the washing of regeneration and renewal of the Holy Spirit.
Corinthians 12:13. For by one Spirit we were all baptized into one body, whether Jews or Greeks, whether slaves or free, and we were all made to drink of one Spirit.
1 Corinthians 6:11. But
you were washed, you were sanctified, you were justified in the name of the Lord Jesus Christ and by the Spirit of our God.
Acts 22:16. And now what are you waiting for? Get up,
be baptized and wash your sins away, calling on his name.
Acts 2:37-39. Now when they heard this they were cut to the heart, and said to Peter and the rest of the apostles, "Brothers, what shall we do?" And Peter said to them, "
Repent and be baptized every one of you in the name of Jesus Christ for the forgiveness of your sins, and you will receive the gift of the Holy Spirit. For the promise is for you and for your children and for all who are far off, everyone whom the Lord our God calls to himself."
Mark 16:16. Whoever believes and is baptized will be saved, but whoever does not believe will be condemned.