Thanks for enabling me to have a good hearty laugh here. You very much distort and misalign the viewpoint you are trying to destroy.
(1) First, you say "for those that teach that Christians can still go to hell after they are saved" -- LOL! You would probably say I believe this, but I have never in my life said it with the slant you use here. That is a scare tactic - and not even true - because "Arminians" do not believe that Christians go to hell - only non-Christians go to hell.
(2) Second - You ask - "Would it not be better to die before we later mess it all up" - the implications of a statement like that is = go out and commit suicide! Now I know you weren't trying to say that, but how else would a person have any control over when they die? What, do you pray to God and ask to have him kill you?
(3) You must not believe that such a person as you describe (or think you are describing) can have assurance of salvation. Assurance of salvation for me is based on the promises of God: that the one who believes will have eternal life. I am believing and hence I know I have eternal life: quite simple! But life-changing! And gives the power to live above sin today for God's Kingdom and Glory!
(4) Fear of living longer because I might cease believing in my Redeemer! Not by the hair of my chin-ee-chin -chin!!!!!!
(5) Your contrast of the importance of the eternal end versus the present life and growth shows a bias often found in OSAS believers.
Eternal life is not only living forever in heaven, but it is also ihe present journey on Earth living the abundant life in a daily victory over sin - that is - eternal life is to know God.