But it was for a public setting as baptism involved more than just the forgiveness of sins but also was a gateway into the church, and we well know that this is how the early church regarded it. Here's an example:
The first recorded liturgy of baptism, written down by Saint Hippolytus of Rome (170–235) in his Apostolic Tradition, required men, women and children to remove all clothing, including all foreign objects such as jewellery and hair fastenings.
If you check with your denomination, my guess is that no one is likely to become a full member of your church unless their either are baptized in the church or produce a document of baptism from another church. I know this was the case with the fundamentalist Protestant church I grew up in as well as my wife's Catholic church.
- At the hour in which the cock crows, they shall first pray over the water.
- When they come to the water, the water shall be pure and flowing, that is, the water of a spring or a flowing body of water.
- Then they shall take off all their clothes.
- The children shall be baptized first. All of the children who can answer for themselves, let them answer. If there are any children who cannot answer for themselves, let their parents answer for them, or someone else from their family.
- After this, the men will be baptized. Finally, the women, after they have unbound their hair, and removed their jewelry. No one shall take any foreign object with themselves down into the water. -- Baptism - Wikipedia
Knowing how humanity has the tendencies to ritualize much more that what was required, it would appear that Hippolytus of Rome had already started the process of requiring more than was suggested in the Gospels and the book of Acts.