You are right about indulgences and praying for the dead in purgatory---it IS baggage, *empty* baggage. There is no such thing as a state of existence after death called "purgatory." When we lay aside this fleshly body in death, we go directly to heaven---the apostle Paul refers to this as "going Home." 2 Cor. 5:
We know that if our earthly dwelling [our bodies] were taken down, like a tent, we have a permanent house in Heaven, made, not by man, but by God. In this present frame we sigh with deep longing for the Heavenly House, for we do not want to face utter nakedness when death destroys our present dwelling--these bodies of ours. As long as we are clothed in the temporary dwelling we have a painful longing, not because we want just to get rid of these "clothes," but because we want to know the full cover of the permanent house that will be ours. We want our transitory life to be absorbed into the life that is eternal. Now the power that has planned this experience for us is God, and He has given us His Spirit as a guarantee of its truth. This makes us confident, whatever happens. We realize that being "at home"in the body means that to some extent we are "away" from the Lord, for we have to live by trusting Him without seeing Him. We are so sure of this that we would really rather be "away" from the body and be "at home" with the Lord. It is our aim, therefore, to please Him, whether we are "at home" or "away."
"Home" or "away"---no in between.
Are you going to heaven the way you are now, or shall you be changed?
SD