Then, not one of the religions is right... right?
Since the Bible does not speak about life continuing after death in any form, and God never promised to give everlasting life to "good" people, I think the answer to your question in the OP is neither.
God requires obedience to his laws and principles. You can be as "good" as you like but unless you are "obedient" to God, you basically disqualify yourself for inclusion in his purpose.
It amazes me that people think he owes us something....he gave us life and a book of instructions....it is we who owe him our gratitude and obedience. Disobedience has caused every problem afflicting the human race. Will we ever get the message, I wonder?
We all go to the grave, and at death we have either built up a good record with God or a bad one.
A restoration to life according to the Bible is not by an immortal soul that floats off to destinations unknown when the body dies, but in God restoring the life that was lost, right here on earth by a resurrection.
It is God who decides who to wake up and who to leave in the ground. I believe it is really that simple.
Religions make stuff up and complicate everything......so you are correct...none of them have got it right.