I believe that after a person has placed their faith in Christ, they should express that faith by getting baptized in water. I don't think water baptism saves you, but is simply an outward expression of an inward change. This is the starting point from which I ask my question and I'm asking this question to others that believe the same.
My question is not "Why should a christian get baptized?" as that has been done. So I will come from this vantage point, are there any direct consequences to not getting baptized? Whether this person doesn't think it's important, or just doesn't want to, or wants to but just doesn't get around to it, did Jesus or his disciples ever give an indication that if you don't get baptized then X could happen to you or you'll never achieve X? I have some friends that are believers and love the Lord, but they just don't see baptism as an urgent thing--more of cultural thing, like baby dedications or whatnot.
I feel like a heretic for agreeing, but I honestly don't see how water baptism has any power in itself, though there's certainly power in publicly proclaiming your new faith (which my friends that forego water baptism have all done). Then again, Jesus was baptized and commanded his apostles to do so. So I am conflicted with what makes sense to me and what was practiced by the early church.
FYI: I was baptized as an adult believer, but mostly because it "felt" like the right thing to do because I was told it was the right thing to do. Now having read the bible it feels less and less important. The only answer I see again and again is "The early church did it" but I don't see any consequences for not doing it.
Edit: For the purpose of clarity, the Perspective sought is those who hold the doctrine of Believer's baptism as per Baptist and related denominations.