Hey, I really like the casual approach you're taking here! As someone who also wants to ctb, it makes me personally feel more at ease to read your notes here and how you sound positive and hopeful towards what happens when we cross to the other side.
I love your theories. Setting yourself up in a pre-determined universe sounds amazing - I wonder if I should come up with something like that when I'm about to do it! :) I think reincarnation is what I'm leaning towards now as the most likely, but pre-determined universe is also amazing and objectively better.
Another one I really like for me personally is getting to relive this current life with some knowledge and intuition of what will happen later. That way, I can direct this life's path much more effectively. I personally do have a lot of mental disorders and there are also a lot of decisions and things I've done / said that I'm not proud of whatsoever. Given the chance, I would act differently. However, I also think this life and this planet / society isn't particularly good. I would take it, but fml just a little bit (not too much), lol!
I actually though the punishment simulation might be happening to me. It's like every decision I've made up to this point has been carefully formulated to make my life worse, it's crazy. It's bad enough that I'm done. However, I didn't really think of it as a "serious" punishment simulation. I kept having this thought that someone in the afterlife wanted to teach me a difficult lesson about making the correct decisions and considerations, and not taking things for granted, treating people and myself well, and these kinds of things. However, I never really thought of it as malicious. It was almost, to me, like "someone out there cares about you / your soul, stop making stupid decisions, stop acting like that, look what happens when you do that, etc," haha.
I never really thought that what comes after would be actively malicious or harmful.