By personal experience, if I don't believe a situtation would come true, I won't be so worried about it, no matter how horrible it is described as. For me, I don't believe in Christian God, and thus, even if there is a hell, the "hell" would be more or less different from the "Christian hell".
Just try to behave good. If there is a good God (not the Christian God...), he would not send you to the hell. But if there is a powerful, but nasty being that will send you to the hell anyway, you won't be able to change it. If you can't take control anyway, why think of it?