This perspective inspires me to avoid sin and stay on the right path of obedience to God.

I so much like this part of yours. It is good for we to believe in heaven and hell, as believing will help us to choose where we will want to go to. It is now clear to us that we can only go to heaven by obeying the commandments of God, following God teachings and doing God.

Personally, I reject the idea that karma decides our future. To me, our destiny is dictated by divine will, a concept we call Qadr in Islam.

God has the final say, and not Karma as the ultimate judge is God Almighty. Karma is what we humans used to judge ourselves. It is nice to read your post. I wish you success.