Hi ... sorry if I have ruffled feathers, but purgatory is not made up by the Catholic Church. It's older than that. A huge number of Christians believe in praying for the death - the Orthodox Church certainly does.
I know it might seem like 'medieval crap', but I think for many people, at many different times, these ideas have been comforting. Ok, they may not seem that way to us, and they may shock and upset us. But I think it's important to remember all the people for whom these ideas are comforting and not just dismiss them as crap.
Btw, Eamon Duffy's books are great, but please be cautious about them. He can't do an accurate reference to save his life, and it can be quite irritating if you're interested in the specifics of what he's saying rather than the general argument. The general argument is fantastic and gives a really good sense of why, historically, people have actually found some of these ideas helped them, rather than just scared them.
OP, personally ... I think if there is purgatory, we feel it in the here and now. I don't know. But theologically, purgatory wouldn't be 'completely horrible', no.