To me it logically makes sense that there's existence after physical death since we started to exist from nothing, unless we already existed in some form before existing here.
The notion of afterlife makes no sense unless we assume that there is some valuable connection between the person in their normal life and the same person in their afterlife. I think that your knowledge and your memories about the past are the only valuable things that constitute your personality. If you lose your memories, your personality ceases to exist.
The known cases of full amnesia due to brain damage serve as an evidence that your personality may cease to exist even while your physical body still remains alive. Once your neurons that preserve your memories are destroyed in any way, your personality gets lost, and so happens when your physical body dies.
The afterlife would only make sense if your memories you have collected during your life could somehow be transitioned into another form of consciousness, which is very unlikely to happen.
I think it just seems more probable that a God would punish non-believers.
Such an estimation of god's motivation and preferences is rather questionable, since it's based on an implicit assumption that the god is similar to us, that I consider very doubtful.
If I were a loving god creating my own world, I wouldn't make my creatures suffering in the first place. If I put creatures into conditions they suffer a lot, then I'm rather a sadistic god than a loving one. And if am a sadistic god, my thinking about how things should work may radically differ from your thoughts and expectations about how things should work.
There is something about hell that is just so terrifying and I can't explain it. You'd be correct that this is irrational (and hence why I no longer believe).
My point is that even if we consider fear as a valuable argument, there is literally nothing rational in the Pascal's wager and in the fear of possibly bad afterlife.
In case if the afterlife exists and it's awful, there is no difference if we die sooner or later. If the afterlife is infinite, then any finite amount of years spent in the normal life doesn't delay our sufferings significantly, because our sufferings will be infinite in any case, no matter when we die.
infinity ± finite amount = infinity
If the afterlife is finite, then again, there is no reason to think that we are going to suffer more or less because of ending the normal life sooner. The odds that we increase our sufferings are the same as the odds we decrease them, since we know literally nothing about the outcome.