"I have said that a Baptism-of-Desire Catholic is not a member of the Church. He cannot be prayed for after death
as one of "the faithful departed." Were he to be revivified immediately after death – were he to come to life again
– he would not be allowed to receive Holy Eucharist or any of the other Sacraments until he was baptized by
water. Now, if he can get into the Church Triumphant without Baptism of Water, it is strange that he cannot get
into the Church Militant without it. It is an odd procedure for priests of the Church Militant to be shunting people
off to the Church Triumphant before these people have enrolled in the a Church Militant, which fights the good
fight and preserves the Faith." - Fr. Feeney, Bread of Life
Here is my take on it. FWIW.
Baptism-of-Desire
alone does not get one into either the Church Triumphant (i.e., the true meaning of "salvation") nor the Church Militant here on earth. It gets one a ticket to a kind of Limbo or Purgatory (assuming that the person dies without committing a mortal sin after their BoD "justification" occurs).
When the BoD-only (aka "justified-only") person dies, he goes to Purgatory (if he had temporal punishment to pay) or to the equivalent of Limbo (if he died without committing any "actual sin" before death). He waits in that state for a Miracle from Heaven (see Matthew 27:52) to deliver him.
BoD is not a means to "salvation" as the Sacrament of Baptism is. BoD is a means to "justification-only." BoD's effects are, for the non-sacramentally-baptized, very similar to the effects of the Sacrament of Penance for baptized Catholics.
Justification is the state that one is in when, for example, a Catholic is validly absolved in the Sacrament of Penance but still has temporal punishment due. If that person dies immediately, he
will not go straight to Heaven. He is not "saved" without qualification at that point.
Salvation is the state that one is in when, for example, a Catholic is absolved in the Sacrament of Penance and the same person, properly disposed, performs the work needed for a plenary indulgence. That person
will go straight to Heaven. That person is "saved" without any qualification.
Similarly, when the person receives the Sacrament of Baptism and dies immediately after its reception, he is "saved" without qualification.
BoD is not equivalent to the Sacrament of Baptism just as "justification" is not equivalent to "salvation."