A non material soul can experience torment without actually burning physically, because there is nothing physical to burn.
To be consistent we can say that a soul is tormented by the flames of hell while not actually physically burning in the flames.
The definition of tormenting is "inflicting severe physical or mental suffering"
We both agree it's not a physical burning of the body since there is no physical body to burn. That leaves us with a mental suffering. This fits in with your interpretation of the body separating from the soul at death. A mental tormenting is also a logical possibility for spirit beings such as demons.
You see a mental suffering of the soul as worse than a physical one. I see it as less severe, in fact I see it as a relief in comparison to everlasting physical pain from burning.
Hell as a state of eternal mental tormenting is still an unwanted state no doubt.
In fact it could be considered more so a self inflicting punishment than a physical burning hell, because you eliminate the factor of fear, thus underlining the factor of free will. In other words, if I'm not afraid of hell, I can't blame God for my choosing (with my actions) to be there to begin with.