If one refuses to be baptized... they are in rebellion and may certainly loose their soul.
If one doesn't experience the baptism of the Holy Ghost with the speaking in other tongues, they certainly don't have all that God intended for the church.
Mark 16:15-17
15And he said unto them, Go ye into all the world, and preach the gospel to every creature.
16He that believeth and is baptized shall be saved; but he that believeth not shall be damned.
17And these signs shall follow them that believe; In my name shall they cast out devils; they shall speak with new tongues;
Yes, faith is FOUNDATIONAL. Faith brings a repentant heart. A repentant heart full of faith brings obedience. I believe any able bodied person is expected to respond to the Gospel in it's fullness. The sick and dying cannot.
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