I was raised Christian, and even though I no longer believe, that fear of Hell runs deep and I've had to work to deconstruct it. Here's my thoughts on the matter. I hope this can help someone.
First, I believe it is impossible for any of us to know with certainty what happens after death. It could be oblivion, reincarnation, nirvana-like, eternal paradise, eternal torture, or something else entirely.
But these possibilities do
not all seem equally likely. There is no good evidence for any kind of afterlife. The basis of these claims are all based in spiritual and religious systems, which are notorious for not being able to prove any of their claims with any degree of certainty. It's all faith and (frequently) a large dose of "because X religious text or Y spiritual teacher said so".
This alone should lead us to believe that death is most likely oblivion. Apply
Occam's razor here: eternal oblivion is a much simpler explanation in that it doesn't force us to make a bunch more unproven assumptions about how the world works. It is entirely naturalistic and we can explain it using ideas we already understand. The existence of an afterlife, relies on many further assumptions, all unproven, and Occam's razor as a principle tells us that the conclusion that makes the fewest assumptions is generally best. The NDEs pop up in evidence of this. Sure, we could explain these through the lens of an afterlife, but we could
just as easily explain them naturalistically, by appealing to what we already know about brain functioning. What seems more likely here? That NDEs are a product of brain functioning that we largely already understand, or that people's "souls" are magically being transported to some ethereal plane we have no evidence of?
Beyond this, and much more importantly, we have good evidential reason to believe the eternal oblivion theory. This boils down to the study of the nature of consciousness. Those arguing for an afterlife claim that our consciousness (the part of us we identify as "us") is separate from the body and thus can "live on" after the body dies. But all modern neuroscientific evidence shows that consciousness is a product of the brain. Even non-fatal brain injuries in the right locations can harm the consciousness. It only follows that without any brain activity, there is no consciousness, no personal experience, no sense of self. Death is the end.
But maybe you're not convinced. I did claim that the existence of an afterlife is a
possibility, however extraordinarily unlikely it may be. Well, even so, why should we assume CTB would land you in a worse afterlife? Because X religious text or Y spiritual teacher said so without being able to justify their claims? It seems equally plausible to me that the hypothetical Powers that Be may not care about suicide at all, or may even
praise it as a brave act, daring to leave behind this Earthly life to meet the gods. So again, we can't know, so why fear?
Sorry for the rambling. This is something I think about a lot.