No one.
Context is important.
1Pe 3:20 because they formerly did not obey, when God's patience waited in the days of Noah, while the ark was being prepared, in which a few, that is, eight persons, were brought safely through water.
1Pe 3:21 Baptism, which corresponds to this, now saves you, not as a removal of dirt from the body but as an appeal to God for a good conscience, through the resurrection of Jesus Christ, (ESV)
Baptism does not remove "dirt from the body," that is, it doesn't cleanse. That means baptism itself does not save (justify) and is not necessary for justification. It is a sign of an inward faith, as indicated by it being "an appeal to God for a good conscience." And that in itself is based on the death and "resurrection of Jesus Christ."
Which doesn't have to do with baptism saving anyone.
Again, as with 1 Pet 3, baptism is an outward declaration of an inward change, of salvation based on the person and finished work of Jesus. It is to be publicly identified with Christ as one of his followers.
Yes, that is a problem for many.
Before we go further, could you please answer some of the previous questions I have asked, namely:
Do you know that the Bible speaks of salvation using three different terms--justification, sanctification, and glorification--to represent a past event, an ongoing reality, and a future fulfillment?
Do you agree that our works don't justify (in the sense of salvation) us before God? Do you believe we are justified by grace alone, through faith alone, in Christ alone?
1 You are right Baptism is not about taking a bath. It’s about washing our sins away.
2
your words “Do you know that the Bible speaks of salvation using three different terms--justification, sanctification, and glorification--to represent a past event, an ongoing reality, and a future fulfillment?”
My answer — There is no justification, sanctification, or glorification, until we have repented of our sins, and are Baptized in the name of Jesus Christ, and then receive the Baptism of the Holy Ghost, Peter told the people after they had asked him, well Men and Brethren what must we do to get right with God (Acts 2:37). That’s where Acts 2:38 comes in. If you don’t understand this I don’t know what to tell you my friend.
3
Your words — Do you agree that our works don't justify (in the sense of salvation) us before God? Do you believe we are justified by grace alone, through faith alone, in Christ alone?
My Answer — I agree works as far as charity works, don’t justify a person.
No I don’t agree there is nothing I must do to be saved, like just saying I believe in Jesus Christ, now I’m saved NO
Jesus said, if you love you will keep my commandments.
Jesus said Go into Jerusalem and wait for the Promise of the Holy Ghost.
Jesus told Nicodemus, Verily Verily I say unto you, you must be Born-Again, or you can not SEE the Kingdom of God.
John 3:5 Verily Verily I say unto you, except you are Born of the Water (Baptism) and of the Spirit (Holy Ghost) you can not ENTER the Kingdom of God. If you can’t understand this my friend, there’s nothing I can do to help you.