I don�t really know whether I fear death or not per se. Perhaps as you say the actual event rather than anything afterwards, although I would be concerned whether my surviving family would be well looked after. I don�t believe in ghosts either.
I suppose the difference between us (apart from being a Catholic aka a false Christian) is that I believe somewhere in the ether our loved ones are waiting to welcome us to a new existence. Maybe this is heaven, who knows. I certainly do not live life thinking about judgement and hell, otherwise this life would be one of constant torment. Life is complicated enough, without that sort of interference from God, or gods.
My belief may provide some (possibly misguided or fanciful) comfort in the ensuing inevitability, but then that�s my outlook on life and the thereafter and nobody has yet proven me wrong.