CR - We can agree to disagree on this
I'd still enjoy discussing these issues though, and I still encourage you to visit an Orthodox Chirch even if you don't think you could become Orthodox. It is an amazing experience!
I understand how you feel about the regenerative part...it was probably the most difficult thing for me to accept. Ultimately, the biggest thing to remember is that it isn't just baptism that is regenerative.
Baptism in and of itself is just (as AM said), a bath in water with some chrism. It does require faith alongside it. Also, it is the a part of the start to salvation, not the solution. It has always been a two step process for new believers in the New Testament (three when you consider the infilling of the Holy Spirit...plus the rest of our lives in faith). That two step process is in my opinion historically and scripturally apparent even if you don't agree with baptismal regeneration. "And they believed and were baptized, along with their household" can be found all over scripture.
Also, form / matter along with faith is found many other places as well. For example, the anointing of the sick with oil. Form / matter = anointing with oil, along with word / action= prayer.
And for the record, no matter whether you become Orthodox, we will still like you and you are welcome here.