"However! if I was a believer I would have to consider, would I go to heaven or hell?"
Largely depends what a person is "a believer" in.
Jews don't generally have the concept of "hell" in the way Christians do. Google "Sheol", though. Sounds like that might work for them, so why not contact your local Rabbi? After a quick snip, a chap is one of God's chosen people (it says so in the Bible!) so job's a good 'un.
Other religions believe in reincarnation - at the moment of death you are reborn, so no worries about heaven and hell there! Again, one should contact one's local Hindu temple or Buddhist centre.
So many ways of avoiding hell! Luckily, you don't have to consider any of them...