I think the Baptist Confession of Faith gets this one right.
Future Judgment - is in fact a life and death issue.
C.H. Spurgeon does NOT limit this to just "how many toys do you get in heaven" - rather HE shows that the Bible is speaking of the SAME life or death issue for future judgment that we find in Romans 2.
32. The Last Judgement
1. God has appointed a day in which He will judge the world in righteousness, by Jesus Christ, to Whom all power and judgement is given by the Father. In this day not only the apostate angels shall be judged, but also all people who have lived upon the earth. They shall appear before the tribunal of Christ to give an account of their thoughts, words, and deeds, and to receive according to what they have done when in the body, whether good or evil.
2. The end of God's appointing this day is for the manifestation of the glory of His mercy in the eternal salvation of the elect, and also His justice, in the eternal damnation of the reprobate, who are wicked and disobedient. Then shall the righteous go into everlasting life and receive that fullness of joy and glory with everlasting reward in the presence of the Lord. But the wicked, who know not God and obey not the Gospel of Jesus Christ, shall be cast aside into everlasting torments, and punished with everlasting destruction from the presence of the Lord and from the glory of His power.
3. As Christ would have us to be certainly persuaded that there will be a day of judgement, both to deter all men from sin and to give greater consolation to the godly in their adversity, so also He will have the date of that day kept unknown to men, that they may shake off all carnal security, and always be watchful, because they know not at what hour the Lord will come. Also, so that men may be affected in such a way that they ever say, 'Come Lord Jesus, come quickly!' Amen.
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2Cor 5:10[FONT="](NASB)10 For we must all appear before the judgment seat of Christ; that every one may receive the things done in his body, according to that he hath done, whether it be good or bad.
2 Cor 5:10 (KJV)
10 For we must all appear before the judgment seat of Christ; that every one may receive the things done in his body, according to that he hath done, whether it be good or bad.
Rom 6:23 "the wages if SIN is death, the free gift of God is eternal life".
[/FONT]Romans 11
20 Well; because of unbelief they were broken off, and thou standest by faith. Be not highminded, but fear:
21 For if God spared not the natural branches, take heed lest he also spare not thee.
22 Behold therefore the goodness and severity of God: on them which fell, severity; but toward thee, goodness, if thou continue in his goodness: otherwise thou also shalt be cut off.
23 And they also, if they abide not still in unbelief, shall be grafted in: for God is able to graft them in again.
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Romans 2
4 Or do you think lightly of the riches of His kindness and tolerance and patience, not knowing that the kindness of God leads you to repentance?
5 But because of your stubbornness and unrepentant heart you are storing up wrath for yourself in the day of wrath and revelation of the righteous judgment of God,
6 who will render to each person according to his deeds:
7 to those who by perseverance in doing good seek for glory and honor and immortality, eternal life;
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13 for it is not the hearers of the Law who are just before God, but the doers of the Law will be justified.
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16 on the day when, according to my gospel, God will judge the secrets of men through Christ Jesus.
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