For since the creation of the world God's invisible qualities--his eternal power and divine nature--have been clearly seen, being understood from what has been made, so that people are without excuse. Romans 1:20
It's not really about "accepting Jesus" whatever that is meant to mean. It's about recognising that you're a created creature and your dependence on the one omnipotent creator. Christians see this creator as the Triune God, incarnated as man in the person of Christ. We believe that every single human is at some level aware of the reality of God, and even if one has not being exposed to Christian claims explicitly, one will still be held accountable to the degree they have sincerely sought God. You do not get a free pass on ignorance of Christ alone, and it's certainly not a "safer" bet.
Honestly, that makes even less sense, because Paul is simply wrong. These invisible qualities have not been clearly seen (nevermind the sillyness of "seeing" invisible qualities which I'll allow since it's likely just poetic flair), and in no time in my life have I seen any indication of a singular Creator.
'Sides, Paul's one I take with a pretty heavy grain of salt. Saw Jesus and became Christian after falling off his horse and hitting his head? Yeah, I'm sure that was legit.
In a certain sense what your saying is true, because once one is baptised one is held to greater accountability.
Good thing I was never baptized, then. ^_^
It's going to be up to God to judge the testimony of our own consciences. And there'll be no chance for any rationalisation before the throne of God. We cannot "outwit" God.
Pretty classic Hellenic idea, that the Theoi cannot be fooled and that those who try are punished.