Everything I think is stupid and noncommittal so I don't know how strong my beliefs are. I think the afterlife might be real, but maybe not everyone has one. Some people have near death experiences and some don't. I don't think there's necessarily an objective moral component to it either. I also don't know whether I think afterlives are internally generated or the result of interference from entities we can't ordinarily sense. In either case, the moral component would come from either self-judgment or adhering to the unknown standards of external beings. Near death experiences also might not indicate that an afterlife can be sustained indefinitely during death (if internally generated) or after (external consciousness uploading).
I can conceive of an internally generated afterlife as something that happens while you die, with asymptotically (I hope I used that word right, I hate math) increasing time dilation that puts off the event of actual death indefinitely. I could see the quality of an afterlife like this degrading over time to conserve ever narrowing resources, while mental processes quicken to attempt to understand something that they can't understand while metabolic processes of the "overbody" shut down. I can see new mental "under bodies" being constructed to create new locuses of consciousness in the system that becomes further and further removed from depending upon those dying processes. The afterlife experience would only shut down when forced to or when that understanding is finally reached. I don't think this is as far fetched as it initially sounds, because we already know that we can create mental bodies when we dream. One thing to consider with this is that how you die might be important. Something too sudden might not provide time for the experience to launch.
It might also be bottom up instead of top down. Instead of "big reality" dying, and consciousness crawling into smaller and smaller crevices to preserve yourself, "small reality" might die and consciousness expands to escape that dying process instead. Both seem like an avoidance response to me.
An externally generated afterlife is simpler but more terrifying. You basically have to hope that whatever's out there doesn't hate you, or that you're not as disempowered "out there" as we are here.
I also think it's possible that these are completely imaginary scenarios, and when it ends there's nothing. But reality can be pretty weird.