God is not responsible for what I bring into the afterlife because God does not pack my bags.
I pack my bags so i am responsible for what is in them.
I'm fine with being responsible for whatever I bring. I've no problem being judged for the life I've lived.
I do not believe that God wants us to be afraid, just prepared.
I don't know how to prepare for something I've never experienced. I'll assume a decent God would create a life that would prepare us. So if I 'm am not prepared, that's more on God than me.