That's the real dilemma isn't it. I lean towards pure logic so I personally have no doubt that when you die then that's the end of everything. There is only an empty corpse left behind. As such I have no fear of dying. I don't have to be concerned about any sort of afterlife in any shape or form.
For those that do believe in something else what is there to be afraid of. Even if there is a "god" or greater consciousness in whatever from you believe (or even formless, there are almost as my different beliefs as there are people) I don't see how or why they'd be concerned about what a single person does or even feel the need to judge anyone.
No human will ever be able to comprehend a greater power in my opinion. Much like an ant will never understand us.
To Ranimiki, I won't discount what sounds like a description of an out of body experience. Please correct me if I'm wrong. There is one significant fault (for lack of a better word, not trying to be confrontational) to your conclusion and that is the fact that you still have a live body and brain to anchor you and a place to go back to. What happens when you take away the source of that power (ie the brain)?
Without that then the ability to do any out of body excursions will not be possible as you need your brain to be able to accomplish it.
To play devil's advocate, let say there is a god or something along those lines, I can't believe that making mistakes or even taking matters into your own hands...CTB, will be met with nothing other than love, compassion and understanding. Obviously I'm leaving out some major faults in that assumption which I won't get into for obvious reasons.
There is nothing to fear when you die. There are no repercussions, no hell or even a heaven. Thankfully death is the essence of pure finality and its all over once that happens. I guess it could argued that the extinguishment of a life without a beyond or anything else is in fact heaven. I know that if I ever believed in something that's what heaven would be like for me.
I've died once and I went from feeling utterly at peace to absolutely nothing. No consciousness, no light at the end of a tunnel and no family members waiting on the other side. I know some might find that off-putting or just completely at odds with their beliefs...possibly even disconcerting. The great thing is that once you die there are no more concerns, no more pain, no more lonelyiness, no more existence. Logic dictates that this is the only explanation for what happens when people die. Please feel free to disagree with me :)
Note that this is only my belief and even me dying is no proof of anything except that I failed to CTB as I'm still here.
I don't know if that helped at all, made things worse or pissed off you and some other people haha. I do know that I won't be debating my beliefs and I hope no one else does either. That will just get this topic shut down before you can say Sodom and Gomorrah haha.
Cheers and I wish you nothing but the best.