@siglawoo,
Siglawoo, I understand your postion: we all use BELIEF (and because we can't prove those beliefs that pertain to afterlife we rest those beliefs on what we call FAITH). Note that regarding our afterlife, OmSigDavid has faith that he says is based on experience that we do not die. My equally irrational (but I also insist true) claim is that we (our bodies) die but there is no one (ego-self) who will die. In a sense my body is born, but not a self.
It seems to me that whatever the case (i.e., the ultimate condition we face when we die) it will happen as it will no matter what we believe. We can, like Setanta, simply have no belief and not suffer any afterlife consequences for that "detachment". I too try to have no doctrine, no philosophy--but it IS fun to speculate--but my practice of meditation gives me strong subjective indication that there is no self to suffer or benefit, regardless of what I choose to believe. So we might as well choose what makes us most comfortable. I believe this is more or less the position taken by the philosopher-psychologist William James (The Will to Believe). Not sure.