I think we cannot say until it happens. It could be any of the stated theories or it could be unique with each death according to cause and means of ceremony held afterwards. We won't know until the time comes. For all we know, they could all be functional and a big computerized system is in the afterlife and we are being monitored. Near our end, somebody is doing the traffic control saying "We have a Hindu believer due at 1:38, and a Wiccan right after him. Then we have a couple of Atheists right after that. It's a slow day."