Hi, Xavierlives,
I hope both of you guys realize you are very blessed to have survived your near-death experiences…

Xavierlives - take better control of your asthma … and Prodigal, just catch the bus…don’t let it catch you!
As I appreciate the situation, we really do not have a lot of information on people making perfect acts of contrition while they are in the process of dying. So, we have a situation where a person is baptized, embraced Christ at one point in their life and then made a conscious act to separate ourselves from God’s Love (our full realization of this Love is Heaven) and now we are about to face all eternity opening up before us as we approach the White Throne.
Claiming, “Lord, Lord…” falls short. Looking at the ‘sheep’ assembling in one section and you are in the process of joining the ‘goats’ does not offer much promise. Ah, as the smell of sulphur opens up your nostrils and that crackling sound of the flames gets louder, you are suddenly aware that your mark of Baptism (of being a child of God and heir to Heaven) will now forever serve as a badge you have defiled. In brief, Dante was right! You can abandon all hope!
With all of the references given of those who once held to the Faith and then left - how anyone can make a distinction between being with God AND having some kind of ‘reward’ is beyond me. God is the REWARD. Heaven is being in the presence of God. Hell is the primarily the separation of the soul from God and secondarily, the physical aspects of fire and the like.
God bless