To Jason:
Neal posted this earlier, from the Catechism of the Catholic Church, but it's good stuff and bears repeating:
1260 "Since Christ died for all, and since all men are in fact called to one and the same destiny, which is divine, we must hold that the Holy Spirit offers to all the possibility of being made partakers, in a way known to God, of the Paschal mystery."[62] Every man who is ignorant of the Gospel of Christ and of his Church, but seeks the truth and does the will of God in accordance with his understanding of it, can be saved. It may be supposed that such persons would have desired Baptism explicitly if they had known its necessity.
If you believe in the Salvation through the Sacrifice of Jesus Christ, and you have made known your wish to be Baptized (and just giving a "thumbs up" to God is adequate!), and should you die before the Baptism can occur, this is "Baptism by Desire." Now, if you had been OFFERED Baptism, and declined, then you'd be in questionable status.
"Baptism by Desire" is nothing to be lightly dismissed, either. See, when you study Catholicism, and you make known to the Church that you wish to become Catholic, you aren't Baptized the next day. NOPE! They have an actual schedule of classes you take now in most parishes, where you have to STUDY what the Church teaches, so you can understand, and better yet, ACCEPT these teachings with all your heart.
FYI, back in the Stone Age when I converted, I had actual one-on-one teaching from our parish priest. I had study materials, and yes, he did ask me questions I had to answer correctly, and I had to memorize prayers.... but the sessions with him were also a LOT of conversation. We discussed the material I had studied.
Basically, Jason, you have to CONVINCE the Church that yes, you do want to become a Catholic!
Once you have made that step in your heart, though, and you are putting forth the effort to join the Church, you have entered into the realm of "Baptism by Desire."
Peace be with you,
~VOW