I was reading 3 Nephi 11 today and verses 33 and 34 stuck out to me a little more than usual. I have been guilty at times of wondering what the "big deal" about baptism is and have pondered it a little here and there. I think I am really starting to get it. Um...anyway. Here are the verses:
"And whoso believeth in me, and is baptized, the same shall be saved; and they are they who shall inherit the kingdom of God. And whoso believeth not in me, and is not baptized, shall be damned."

Pretty cut and dry if you ask me. The part that used to bother me is that I felt like the "damned" part was pretty harsh. However, as I have learned and understood a bit more, really, the Lord has no choice. Simply put he must enforce His laws. He has already chosen to do so. He has said that in order to enter the Celestial Kingdom we have to be baptized. In order to want to enter we have to believe in Christ and trust him and know that what He is saying is "for real". The other side, the "damned" part is simply that we choose not to believe, or trust Christ and we choose not to be baptized. Therefore we choose to NOT enter the Celestial Kingdom. So...we just damned ourselves.
I think this helps me with understanding the mercy of Christ. He loves us. He wants us to be with Him and the Father. He says we should be baptized (among other commandments) if we want to live where Him and the Father live. It's pretty simple. He NEVER takes our ability to choose our path. But the consequences for good or evil cannot be repealed.
It's just the same as if I choose to stay up late (which I do all too often). The consequence is...I am tired. No avoiding it. If I would have chosen to avoid college...I wouldn't be a teacher. If I had chosen to not be married...I wouldn't have a family. By taking on responsibility I have found further happiness AND progress. Hard somedays? Yes. Rewarding? Much more so. Progression is very interesting, what seems hard, but then achieved all of a sudden becomes, "I could never go back! Ever."
So back to something as simple as baptism. It is a very short (time-wise) ordinance that shows the Father we are willing to give life our best shot. It also shows we are willing to make preparations for the Celestial Kingdom.
So. Really I guess the Savior is right: "And whoso believeth in me, and is baptized, the same shall be saved; and they are they who shall inherit the kingdom of God. And whoso believeth not in me, and is not baptized, shall be damned."
And it won't be His fault, it will be ours.
That is a sobering thought to me and I hope I can continue trying to work hard. Yes, I have been baptized by Authority, but it is still up to me to endure to the end. Thankfully our Savior cares enough about our success to send help and support when we are in need.