I recall an interesting illustration. Suppose an unborn child was trying to figure out what use there was for his developing arms, legs, eyes and ears. In a small, dark womb there is no place to run, nothing he could create, see or hear (except dimly). To this child, being born could be a fearful event, leaving what is familiar. Yet, what doesn't make sense in the womb makes sense for our lives after being born: our legs were not useless, afterall; neither are our eyes, ears, and hands.
Likewise, I think that we are able to choose in this life whether we wish to gain wisdom, to follow and value righteousness, and to choose the path of loving those who we come across in our lives. These traits, if we wish to "develop" them, are what make us capable of enjoying life with God after we die. How could we expect to suddenly enjoy righteousness, when on earth we scorned it? God honors the choices we make in our hearts.
I believe that Christ is the firstfruits of the dead, and the door has been opened now for anyone at anytime/place, to enter heaven if their deepest desire is to seek truth, justice, righteousness, and love. Those are the ones who can love God; it isn't a theological test.
God recognizes our hearts, and in that moment we see him, we will understand our hearts as well. I think that our reaction to God will instantly be either one of utter love, or desparate fear, no matter what our background might be. We make the decision daily, whether we will be born healthy or stillborn, in God's world. (We didn't get this chance to choose the first time 'round.)
This might explain (as someone pointed out earlier) why so many keep connecting (in some way) the need for goodness to having salvation. I see it this way: God knows we don't have goodness--so all He asks is that we WANT it, so He can give it to us. And we have to be able to humble ourselves, to admit we don't have it, and do so yearn for it.
Sorry for the long post.
bebu