Your description of Hell sounds a lot like a Catholics description of purgatory. Thanks for a great and thoughtful answer.
I am not Catholic, so I didn’t want to presume on that, but I also think this is close to the purgatory idea.
Purgatory, as far as I understand it, seems to have gotten the hook by protestants mostly b/c of the abuses that surrounded it re relics and buying indulgences and so on.
A lot to think about here.