Godschild,
You can't be afraid of something you don't believe exists. So you can only be afraid of hell if you believe it exists.
Yes, you don't have to be afraid of hell even if you believe in it, because, like yourself, you can just believe that you will be forgiven for all your sins and go to heaven for accepting Christ.
But,
1. That's based on nothing and not only can you not rationally know that hell exists but you can't rationally know that you won't go to it just because you accept Christ because the Bible says so, etc, etc.
2. Your belief that any sins you do will be forgiven if you accept Jesus but won't be forgiven if you don't is immoral.
You can't be afraid of something you don't believe exists. So you can only be afraid of hell if you believe it exists.
Yes, you don't have to be afraid of hell even if you believe in it, because, like yourself, you can just believe that you will be forgiven for all your sins and go to heaven for accepting Christ.
But,
1. That's based on nothing and not only can you not rationally know that hell exists but you can't rationally know that you won't go to it just because you accept Christ because the Bible says so, etc, etc.
2. Your belief that any sins you do will be forgiven if you accept Jesus but won't be forgiven if you don't is immoral.