Scripture does not contradict itself and where it appears to do so, it is not being understood correctly, and should be interpreted in agreement with all Scripture. To wit:
The text of
1 Pe 3:20-21 reads: ". . .
the longsuffering of God waited in the days of Noah, an ark being prepared in which a few, this is eight souls, were quite saved through water. Which figure also now saves us, that is baptism, not a putting away of the filth of the flesh, but an answer of a good conscience toward God through the resurrection of Jesus Christ."
When you consider the grammatical construction of Peter's context above in Noah and the ark,
baptism is a figure/symbol
of the water/
flood which saved eight people in the ark, where
the flood is a figure of baptism and baptism is a figure of salvation,
in that in
both instances (baptism, flood)
the water that spoke of judgment (in the
flood--the
death of the wicked; in
baptism--the death of Christ and the believer,
Ro 6:2-4)
is the water that saves.
The flood symbolized baptism which
symbolizes Christ's death (judgment) and resurrection which saves.
"Also now saves us," in the context of the
rest of the NT, means saved by what baptism
symbolizes--Christ's death and resurrection (
Ro 6:2-4).
This using of the
symbol to refer to the
reality is, as I understand it, what the Catholic church calls "sacramental union."
"answer of a good conscience toward God" is a commitment on the part of the believer in all good conscience to make sure that what baptism symbolizes in
Ro 6:2-4 will become a reality in his life; i.e., that
as Christ died for sin, so the believer will die to sin.