That is right, and you will not know all until it is to late to decide.
Too late to decide what exactly?
Here's the problem, you act like this belief of yours drastically changes person for the better and makes them worthy of some eternal reward.
It simply doesn't seem that way at all. We've had religion rule the world for most of the history of the mankind. Things got better for us when we existed religious mindset.
So, what exactly would I not decide to do that's too late? In terms of my actions and beliefs... there isn't an essential difference. The only extra stuff you have is explaining everything through some unseen means.
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