Well, judging by what I've learned, there are only two places to go after death: Heaven and Hell. If you make the choice of Christianity, your final destination will be Heaven. If you don't decide or follow another god, your destination will be Hell.
IMO...
Energy cannot be destroyed, so the energy part of us will still wander. There are 3 parts: spiritual, physical, and energy. Our spiritual self will continue to it's final destination(Heaven or Hell), our energy self will wander, and our physical self will remain.
Our energy self is where we get the "ghosts" of this world: simply unsettled energy beings capable of being picked up on scales. So ghosts don't exist, it's just energy. And because energy cannot be destroyed, it will always remain.
It depends if death comes painlessly. If you're asleep, you may wake up and die, but you can also remain asleep and die. If you're awake, you may or may not die painlessly. It just depends on how you and your body reacts to your brain ceasing to function. But a painful death can be caused by a car wreck, stabbed, shot, drowning, falling to your death, strangulation, poisonous gasses, zombie or animal attack, ect.
But sometimes you die painlessly from the above reasons because the strike may catch you by surprise and be so powerful that it kills you instantly. So a painful death depends on how long you're left suffering.
There is a chance that, when you're "dead", you can be revived because of a few remaining brain waves that are able to be used to get your body functioning again. This may not apply all the time, so you could be screwed.
Off I go, making long speeches of my opinion that will be ignored. Lawl.