I think no one knows what you’ll truly regret before you’re called before the bench to answer for your life. I have things in my past that can’t be justified and I will have to answer for. When you’re called before the bench, you better pray for your answers. IMHO
https://www.gotquestions.org/judgment.html A good read.
Amen.
Jesus has paid your debt if you're a believer. Believers won't stand before The Great White Throne judgement but before Christ's Bema Seat where you'll be rewarded or not for your service. I'm sure most people will regret not doing all they could've had done.
Unbelievers on the other had will forever regret not accepting Jesus as Lord and Saviour,