This isn't exactly the position of organized religion, but here's my personal take on it based on decades in a church that challenged you to think about everything, read the whole bible, etc:

God is just. God is merciful. God would not punish someone for not being exposed to him. The only unforgivable sin is a continual (according to the greek conjugation) rejection of Christ.

I think when you die you meet Jesus. He's like "Hey man, you were a total fuckup. But I love you anyway, we cool?" and right then you get a choice. You can give him a hug or give him the finger.