I do not think your example is appropriate. A more accurate one IMO would be if the woman was already living a degrading life of beggary, thievery and prostitution, and Mr. Right offers her a better life if she will only ask for it. The person who has not accepted God is already living the life you describe as a punishment.
If she does not feel that her current life is one of pain, then she will not accept the offer and will not feel she missed anything.
I think you are only trying to nail down the degree to which her current life is worse than the one he offers. But it rally is not the point the story is making.
It’s arguing two things:
1. Refusing him will give you a fate worse than anything you can even wrap your brain around.
2. Is that the way God does things?
I searched scripture and can find not one case of God tormenting his enemies eternally. It was always the same: He put up with them until he was done and then he ended them.
And that’s the thing. What does Jesus save us from? Death - which is the wages of sin according to Romans 3:26.
But He offers a better way - eternal life with Him.
Do you do understand just how holy God really is?