I thin you're little thesis left out how there is going to be greater punishment, and less tolerable for some on Judgement day.
Mark 12:40 New King James Version (NKJV)
40 who devour widows’ houses, and [
a]for a pretense make long prayers. These will receive
GREATER condemnation.”
Matthew 11:20-24 New King James Version (NKJV)
Woe to the Impenitent Cities
20 Then He began to rebuke the cities in which most of His mighty works had been done, because they did not repent: 21 “Woe to you, Chorazin! Woe to you, Bethsaida! For if the mighty works which were done in you had been done in Tyre and Sidon, they would have repented long ago in sackcloth and ashes. 22 But I say to you, it will be
MORE TOLERABLE for Tyre and Sidon in the day of judgment than for you. 23 And you, Capernaum,who are exalted to heaven, will be brought down to Hades; for if the mighty works which were done in you had been done in Sodom, it would have remained until this day. 24 But I say to you that it shall be
MORE TOLERABLE for the land of Sodom in the day of judgment than for you.”
Luke 12:47-48 New King James Version (NKJV)
47 And that servant who knew his master’s will, and did not prepare
himself or do according to his will, shall be beaten with
MANY stripes.48 But he who did not know, yet committed things deserving of stripes, shall be beaten with
FEW. For everyone to whom much is given, from him much will be required; and to whom much has been committed, of him they will ask the more.
As far as lost loved ones, first off our full attention is going to be on Jesus in His Presence. Secondly, I think it likely at some point, maybe right after Jesus wipes away our tears at seeing loved ones paying for their sin, we will remember them no more.