Yeah, I'd never found a satisfactory answer to those questions either, Katz.
I don't believe in a literal Hell, only in separation from G-d, which is worse than any fire and brimstone Christians can conjure up.
But I do konw a couple of people who believe in a literal Hell, where I will go. I've had a lot of conversations with friends of mine, Christians, who've argued passionately that I should accept Jesus because they want to be floating up in Heaven with me after we all die. I'd say about six people I know believe in literal Hell and that I'll go there since I've heard of Jesus and don't believe he's the son of G-d.