My own studies on this have led me to believe that if one never had a true understanding of the Almighty, or didn't consciously reject the opportunity to gain one, that person won't be judged as harshly as someone who did. Lots of folks have died who never had access to a Bible or a preacher. It would be unjust to condemn them simply because a missionary or Holy man was unable to reach them.
As I read the Bible, there is only one unforgivable sin. And it ain't suicide.
Several weeks ago one of the parish priests made this point to an adult education group, but he was rather clumsy about it. He fell apart (imho) when one person questioned whether muslims, who have access to knowledge about Christ and refuse to accept Him, would be judged for that. The priest stammered and stuttered a lot and basically said that all good people of all faiths go to heaven.
So gee, Father, why are we spending so much money on missions then?
I feel like the fallback is the words of Christ Himself (book of John): "I came not to judge the world but to save it".
We each make choices while we are here in human form. Then every soul, having grown or not by those choices, has its own experience with God and he sorts it out, not us and not our priest/pastor and not our neighbors.