Exactly right. That is the precise axis upon which my own *belief* system turns.
Essentially, there is Truth, and then there's everything else. I don't claim to have the ability to see ultimate Truth, but I also refuse to accept things as *true*, simply because some authority insists certain things are real for me. That's for the individual to determine, and no one else.
For example, it's written in the Christian Bible that there is a heaven and a hell. I have zero subjective reality on the truth of that assertion, so I choose not to accept it as actual fact. The Bible also states that we are all spirits, which I do accept as real because I have subjective reality on it.
I have also been present when people die and it makes you think.
It's like checking for the fire exits in a large meeting hall. I like to plan for unexpected negative contingencies. At my age, I have seen a lot of sh!t and I know it is good to be prepared.
I, for one, am not going into the unknown unprepared for the possibility of a repeat of some of the really bad stuff I have seen and experienced on this side of the great divide.
As an aside, I have given my life to Jesus, so whatever He has in store for me is fine (be it heaven or war). It can't be hell because as long as I have hold of Him, hell has no sting.