What if there is an afterlife, but it’s not what we expect?

We’re all going to die. Most of us have this strange ideology that suggests “good” people go one way while “bad” people go another. At some point, most reasonable people realize nobody is all good and nobody is all bad. So what if you die and when you get to reception you’re told you’ll spend half of your afterlife in your own personal hell and half of it in your own personal heaven. What would your personal hell be, and what would your personal heaven be?
Obnoxious atheists need not apply, thank you!
What if there is an afterlife, but it’s not what we expect?
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