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Diehard, you're nondenom right?
I would ask, what is the sinner's prayer actually doing? And what is baptism not doing?
Depends on how technical you want to get with predestination and whatnot, but the act of submission - whatever the act is - is where God steps in. it's in alignment with Romans 10 (confess with your mouth that Jesus is Lord...), Ask/Seek/Knock verses and stories like the Thief on the Cross. Baptism isn't doing the savings because one already has been.
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Because if someone approached me and said they had never stepped foot in a church, but said the sinners prayer earnestly I would say "praise God, lets go to Church!"
And that would start the process of inquiry ->catechumen ->membership in the church through confession/baptism/chrismation.
Just to answer your question directly, we would say the same thing. Not because salvation is at risk, but because we believe it's the starting line, not the finish line. I believe this consistent with Pauls' letters about extoling Christs saving work in the lives of saints, yet still instructing/correcting/teaching.
Personally, I think counting the cost is important. Understanding one's need for salvation is important. Would I question their salvation? That's not my role. But, I would bring up contrary statements/views to Christ's teaching if they express them.
Specific church membership is not important, but you hold a different definition of "church" than I do. (in terms of bigger corporate body of christ where many denominations exist, vs one where one's particular church, and those "in communion with" ARE the body of Christ)