Muffled
Jesus in me
It's more complicated than that. It's not that cut-and-dried biblically, nor is it that simple or clear in the ongoing Tradition (of which the bible is part, BTW). Baptism contains layers of meaning, and those meanings change over time. There is no one, "true" meaning.
Christianity is pan-cultural, and not all meanings are universal culturally. A meaning can't be forced onto a culture for whom the meaning is not important. For more on this phenomenon and how it affects the church, you should pick up a copy of Vince Donovan's Christianity Rediscovered.
I believe one ought to discern through the Holy Spirit what tradition is man made and which ones come from the Holy Spirit.
I believe people can conceptualize all kinds of meanings but being able to do so does not legitimize them.
I believe God has His own rules that override cultural beliefs.