The question is not "Where will you spend eternity?" but, "With what will you meet the demands of your soul?"
Where I spend eternity is of little import. I cannot do anything for the sake of fire insurance. If I had my wish purgatory would exist and I would make it to the bus stop. I'm not much interested in death's perfection. Perfection without struggle is cheap. Let me continue to grow in your love and service. Don't make me perfect in the twinkling of an eye.