Please describe your god's loyalty reward scheme.

[John V]

Would you say there is also an exception for people who have never heard of Christ? Like indigenous people, etc?

Jesus said, "I am the way and the truth and the life. No one comes to the Father except through me." That doesn't say "except through the express knowledge of me." If it did, then the OT saints wouldn't be saved. So, one could argue that a person is saved if they respond to the amount of truth that God has given them.

However, peoples not exposed to Christianity generally invented their own false religions.

Romans 1
18 For the wrath of God is revealed from heaven against all ungodliness and unrighteousness of men, who suppress the truth in unrighteousness, 19 because what may be known of God is manifest in them, for God has shown it to them. 20 For since the creation of the world His invisible attributes are clearly seen, being understood by the things that are made, even His eternal power and Godhead, so that they are without excuse, 21 because, although they knew God, they did not glorify Him as God, nor were thankful, but became futile in their thoughts, and their foolish hearts were darkened. 22 Professing to be wise, they became fools, 23 and changed the glory of the incorruptible God into an image made like corruptible man—and birds and four-footed animals and creeping things.

And their own consciences bear witness against them:

Romans 2
12 For as many as have sinned without law will also perish without law, and as many as have sinned in the law will be judged by the law 13 (for not the hearers of the law are just in the sight of God, but the doers of the law will be justified; 14 for when Gentiles, who do not have the law, by nature do the things in the law, these, although not having the law, are a law to themselves, 15 who show the work of the law written in their hearts, their conscience also bearing witness, and between themselves their thoughts accusing or else excusing them)

So, salvation among such peoples is probably possible, but rare.

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I have two questions related to the OP, without being condescending.

1. Do you, as a theist, believe that the afterlife is important?  In other words, is the destination of eternal heaven or hell an imperative teaching?

Yes.

2.  (Multi -part question) Do you worry that everyone has different notions of how to get there? What I mean is, some people believe you must be baptized, some only that you must accept Jesus as your savior (thereby damning all decent people of other faiths), some by good works, grace, confessions, etc.  What if you are one who thinks you must only accept Jesus, but it turns out that the Baptism groups is correct? This is just another pascals wager.  You are as likely to be wrong about how you get into heaven as I am about there not being one.  Doesn't that ever worry you?

Nope. My church doesn't water baptize, so my children haven't been baptized. Doesn't worry me a bit. If they as adults decided to get baptized, that wouldn't bother me either. See my earlier post on things being in God's hands. God will save those whom he will save. The point isn't for us to find one precise, correct ritual.

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Well I for one would appreciate some enlightenment.

Liar! Your intent is to mock.