Sometimes yes, sometimes no. If it is an adult who refuses baptism yet are baptized, they have not been baptized. If it is an infant, on whom the parents act on behalf of the child, then yes.
I'm not sure what you mean by refuses baptism, yet are baptized. Do you mean against their will? What about someone wanting to be baptized (maybe for the sake of family, denominational tradition), but is agnostic?
Baptism of desire. The Church has long taught it.
That part doesn't differ much from my view. When someone is found by Christ, becomes a child of God, they will want to be baptized. It would be a contradiction to be thankful for salvation, yet refuse the command to be baptized.
I don't see any scriptural need to suggest that at the right moment, under right conditions of thought and attitude, in the right spot (vicinity of body of water where baptism is taking place), the water itself becomes a divine detergent. Not that it's impossible, as I think it's clear that the pool at Bethesda had a divine miraculous quality.
It would be viewed as Abraham's Bosom.“Now the poor man died and was carried away by the angels to Abraham’s bosom; and the rich man also died and was buried. - Luke 16:22A place of 'natural' happiness.
Do they view Abraham's Bosom as a temporary abode before God determines where one will spend eternity?