The question in the header assumes a previous belief in the Christian concept of heaven and hell. AFAIK, there's a less close connection to Judaism, since a common Jewish POV on the afterlife is that we can trust God to do what's best for us and that our focus is on what we do and don't do in the current physical, three-dimensional life.
I believe in karma and reincarnation. It's an encouraging concept in many ways, although sometimes, well, inconvenient. You never lose sight of the "fact" (" = belief) that you can't really get away with anything and it doesn't work either to look at a sorry state of world affairs and think 'well, the s**t will hit the fan long after I'm dead.' You might very well be in the thick of it next time around!
As far as Heaven and Hell is concerned -- as least as that's been traditionally taught: to wholeheartedly believe in that I'd have to believe in a deity who would do something more unimaginably cruel than any human being would be able to do: consign a person to suffering that not even death will end. If I believed in a deity like that I'd do what I needed to do to appease Him/Her/It but wholehearted worship? No way. I could as easily worship a violent domestic abuser: "love and worship me or you'll suffer a terrible fate" fits that kind of psychology perfectly.
Of course, the basis of the original question and poll was there being nothing after death but total annhiliation -- not "no Heaven or Hell" but "no afterlife". And I suspect that whatever concept most of us have of "God", in that case the emphasis would be more on making life better in the here and now. Sounds depressing to me, but that's just my POV.
