I fully believe that whatever we individually believe in is what happens next.
So for example, the people who believe nothing happens next, will experience nothing beyond death. That does not mean to say that I don't believe their energy continues on, just that they will have no conscious attachment to it. And that will have been their choice.
Those who believe in heaven and hell will have to make a two-tier judgement, firstly on what each of those places might look or feel like, and then another for which of those places they believe they belong. I think this settles the question of how a potential heaven can be blissful to everyone when we all have a different idea of what that means to us. There may be people who would want to spend eternity with me, but not the same people I would choose to spend mine with. If it is entirely based on personal belief then everyone experiences their own version. Similarly for a hell, the worst I can imagine won't be the same as the worst others can imagine, so again individual belief or fear would play into that experience.
I imagine those who believe in rebirth in any sense will experience life again while retaining some of the things that were important to them this time around. Things like peace, wisdom etc may come more naturally and their new vessels will be more connected to those things in the next life. Again this would be based on what the individual considers to be important to "bring with them".
I don't necessarily believe that these options play out in a physical space, but in the mind in the moments surrounding death, and in the same way that a dream state has no logical time frame, anyones "life" beyond death could happen in seconds while seeming to last forever.
I find peace in this because it doesn't matter what I believe in individually, it doesn't matter if my closest friends and family have different beliefs, I can take comfort in knowing that we will all end up exactly where we belong, and that will ultimately be the place that brings us each the individual peace we deserve in a final rest.