Being born again comes with a conversion to Christ which is signified or shown by baptism. If Jesus Christ was standing right in front of you and told you that you were saved, I'd say that takes presidence over being baptized. The theif on the cross told Christ that he believed when he was asked. Likewise, we must believe before we are baptized. Anyone you meet today who was baptized, I'd be willing to say they've never seen Christ face-to-face. Therefore, they must have faith and become converted to Christ.
H-D