Since the LDS church is the topic up for discussion, I should note that in their theology, God doesn't so much punish as withhold rewards. Hell is reserved for those who literally knew God and refused to follow him, so unless you are a fallen prophet, you are going to heaven. There are three kingdoms in heaven, the lowest of which is said to be better than life on Earth.

It's also relevant that there are opportunities to convert after you die, but prior to Judgment. If you find yourself at a 10% belief level, your best option might be to commit to joining postmortem if you find yourself in an afterlife.