This subject has imposed itself on me quite a few time this last month. I am beginning to feel that, yes, what we do in this life affects where we will go in the next, but there are millions of possibilities instead of two, three or even seven. Each possible afterlife is merely a gathering of like souls. So, if you are a miser, you will go to a place filled with misers. No one will help you out, but you can save to your heart's delight. If you spent your life serving others, you will go somewhere with others who live to serve. Imagine what that would be like. It could either be very satisfying, or it could be incredibly annoying. But, for the most part, we are not quite so archetypal as all that! Think of it as being gathered up with all of your possible soul mates - all in one place! You may not be exactly the same, but everyone there connects with you - they are all the people who you admire, and who in turn admire you. That isn't to say that everyone who falls into that category in this life will go to the same place - there are choices made that can kick them into another sphere, murder would be a good example.
Let's take Tolkien for an example. Not all (or even most) of his fans would be in the same place as he. But other linguists, historians, etc would - this is a place of equals!
'Getting' to live with who you are is the best punishment/reward I can think of. And, as a bonus, I don't see a lot in the scriptures that specifically contradict this notion.