Here is the thing. There is no command in the Bible for the believer to be baptized except for Peter's command in Acts 2:38. If one feels that Peter's command is not just to those at Pentecost but to all who believe, fine, but I don't interpret it that way.
This is not correct. Peter's command in Acts 2:38 is not the only command to be baptized. While Peter was preaching to Cornelius and all those who were gathered with him, God interrupted Peter's message by giving the Spirit to all the unbelievers who were there because they had repented and believed:
Acts 10:44 While Peter yet spake these words, the Holy Ghost fell on all them which heard the word. 45 And they of the circumcision which believed were astonished, as many as came with Peter, because that on the Gentiles also was poured out the gift of the Holy Ghost. 46 For they heard them speak with tongues, and magnify God.
Because God had supernaturally attested to their genuine salvation, Peter then
commanded them to be baptized in the name of the Lord:
Acts 10:46
c Then answered Peter, 47 Can any man forbid water, that these should not be baptized, which have received the Holy Ghost as well as we? 48
And he commanded them to be baptized in the name of the Lord. Then prayed they him to tarry certain days.
Baptism is commanded of all believers. A steadfast refusal to be baptized by someone who is physically capable of being baptized calls that person's salvation into serious question. At best, such a person who persistently refuses to be baptized is a very disobedient believer.