In fact, I’m almost sure nobody understands the doctrine before experiencing it.

I find the best source of doctrine on this subject in the following statement by the prophet Joseph Smith:

“There is but one baptism; it takes the baptism of water, of the Holy Ghost, and of fire to constitute one full baptism.” (Daniel Tyler statement. They Knew the Prophet, Hyrum L. Andrus, p51. Also, The Words of Joseph Smith, P. 354, Andrew F. Ehat)

In addition, the Book of Mormon teaches the same in the account of king Benjamin’s people. You just have to do a little deductive reasoning to see it.

So we are left to decide for ourselves how we understand this subject. But we must be careful not to get carried away to the extent we forget that one doesn’t have to understand the doctrine to experience it.

McConkie contradicts you, again in Mormon Doctrine (p. 53, second edition)

Baptism of Fire
(Baptism of Fire )
See BAPTISM, BORN AGAIN, GIFT OF THE HOLY GHOST, HOLY GHOST,
SANCTIFICATION, SANCTIFIER.
To gain salvation every accountable person must receive two baptisms. They are baptism of water and
of the Spirit. (John 3:3-5.) The baptism of the Spirit is called the baptism of fire and of the Holy Ghost.
(Matt. 3:11; Luke 3:16; 2 Ne. 31:13-14; 3 Ne. 11:35; 12:1-2; Morm. 7:10 D. & C. 20:41; 33:11; 39:6.) By
the power of the Holy Ghost – who is the Sanctifier (3 Ne. 27:19-21) – dross iniquity, carnality, sensuality,
and every evil thing is burned out of the repentant soul as if by fire; the cleansed person becomes literally
a new creature of the Holy Ghost. (Mosiah 27:24-26.) He is born again.
The baptism of fire is not something in addition to the receipt of the Holy Ghost; rather, it is the actual
enjoyment of the gift which is offered by the laying on of hands at the time of baptism. “Remission of
sins,” the Lord says, comes “by baptism and by fire, yea, even the Holy Ghost.” (D. & C. 19:31; 2 Ne.
31:17.) Those who receive the baptism of fire are ‘filled as if with fire” (Hela. 5:45.)
There have been, however, exceptional and miraculous instances when literal fire has attended the
baptism of the Spirit. After the baptism of the Nephite disciples, “they were filled with the Holy Ghost and
with fire. And behold, they were encircled about as if it were by fire; and it came down from heaven, and
the multitude did witness it, and did bear record.” (3 Ne. 19:13-14.) Similar manifestations occurred on the
day of Pentecost (Acts 2:1-4) and among a group of Lamanite converts. (Hela. 5; 3 Ne. 9:20.)

Regarding the questions and answers. I’m sure they could be improved. I’m open to suggestions.

The ordinance of baptism is for past and future sin?

“When converted persons are baptized for the remission of sins, the sacred baptismal ordinance is designed to free them from past and future sins. Those sins committed after baptism are forgiven whenever members of the Church, by full compliance with the law of forgiveness, again get themselves in the same state of righteousness and purity previously attained in connection with their baptisms.” Mormon Doctrine, p. 296.

Note: the sacrament allows us to renew our covenants. We couldn’t meaningfully partake of the sacrament without first being baptized.
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When do baptized members receive a forgiveness of sins?

“But as oft as they repented and sought forgiveness, with real intent, they were forgiven.” ( Moroni 6:8)
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When do baptized members receive a remission of sins?

13 Wherefore, my beloved brethren, I know that if ye shall follow the Son, with full purpose of heart, acting no hypocrisy and no deception before God, but with real intent, repenting of your sins, witnessing unto the Father that ye are willing to take upon you the name of Christ, by baptism—yea, by following your Lord and your Savior down into the water, according to his word, behold, then shall ye receive the Holy Ghost; yea, then cometh the baptism of fire and of the Holy Ghost; and then can ye speak with the tongue of angels, and shout praises unto the Holy One of Israel.
2 Nephi 31:13

This verse states that when we repent and are baptized “then shall ye receive the Holy Ghost”. Note what it says comes next: “yea, then cometh the baptism of fire and of the the Holy Ghost.” There are two separate experiences pointed. Read on to verse 17 and it defines that a remission of sins is given when one is baptized by fire and the Holy Ghost.

“We sometimes speak of baptism for the remission of sins. The remission, if you will read the scriptures carefully, comes through the baptism of fire and of the Holy Ghost.” Boyd K. Packer, “The Gift of the Holy Ghost: What Every Member Should Know”, Ensign, Aug. 2006, 46-52.

Forgiveness and remission of sins are different but related events. Elder Bednar speaks about the necessity of having a testimony but is quick to say that in addition we need to be converted. Once again, a two step process.

Click Here for a three part discussion on this topic.

I appreciate the fact that you’re interested enough in the doctrine of Christ to state your opinion and offer suggestions. I plan on responding to you Sunday after my meeting. Please check back.

What do you mean by FOR FUTURE SIN? Some denominations believe that once you “confess Christ” and you are saved, that future sin is covered by Christ’s atonement. Does baptism cover future sin in this way? Of course not. On the other hand, we don’t have to be baptized more that once if we remain a member of the Church, so our one baptism puts us in a different position relative to future sin, making the sacrament and repentance our avenues to forgiveness.

Also, you may need to clarify how you differentiate between FORGIVENESS of sins (Q3) compared to REMISSION of sins (Q4). I see remission of sins as the cleansing or purifying action of the Holy Ghost (not the GIFT of the Holy Ghost) whereas forgiveness of sins is a status of accountability before Christ. I’m not sure, however, how an individual would have one without the other, or how they are obtained differently (in both cases through the repentance process).