Bluntly it is always up to God, whether you are in this life or the next. Prayers are TO God for the final sanctification of the dead
—Bluntly it is always up to God...—
Actually, it is up to you. I look at it this way. Grace (the one thing that is missing from all religions other than Christianity), and it’s core point) is a present under the Christmas tree. God did his part by putting it there.
I can choose to open it and accept the gift, or I can open it and reject it, but once I die, I’ve lost that option. Whatever choice I made while in my Natural Man body, is the one I carry with me to the Great White Throne Judgement.