I actually agree with most of this. My perfect vision is not really reincarnation but neverending travel, one reality after another, all different from one another throughout infinity, the whole "the journey never ends" idea is my favourite. I would also take the idea of heaven and hell but hell as you said is terrifying, it's a 50/50 gamble where a big enough slip up can mean eternal damnation and pain however the reward is worth it, bliss and meeting up with everyone that you lost again makes me feel really fuzzy and warm inside. Reincarnation in the same world would be absolutely ass for me, the idea that I could come back again doesn't appeal to me at all, I want to go forwards no matter what it is or what shape it takes, reincarnation seems like a dizzying caroussel that never stops and I don't like reality enough to love the idea of spending eternity in this shithole under different clothing. The void even if it's unsatisfying at least merits the idea that it's done, which is acceptable even if it's not favorable, however it kinda is hell, being alive believing everyone you loved and lost is gone forever never to return is really jarring to me.
As to what I believe, I feel like heaven and hell is the one that feels real to me. Maybe you can opt off hell by reincarnation or something, but I do feel there's a place where your lost ones wait for you to come back. Not really a hard reason as to why, it just rings true to my heart.