When you are dead does what you said in life matter?
In the scheme of judgement, I would say yes, and the Judge will be able to truthfully determine who is stupid and who isn’t. One could go so far as to say we ourselves will be an even more accurate judge of what we have said.
Well, according to the Book...
Matthew 12:36 KJV
But I say unto you, That every idle word that men shall speak, they shall give account thereof in the day of judgment.
They'll matter a WHOLE lot more than having a proxy baptism done for you after you've shuffled off this mortal coil.