I’ll share my thoughts on this, and then I’m sure Dave will do a good job in sharing his.
My concept of “hell” is that it is indeed the place in the afterlife for those who have not submitted their lives to the Saviour. But it is not a “destination.” That word makes it sound too final. Rather it is like one big “purgatory” in which such will undergo a process of correction. This process will not be “punishment” in the sense of retribution, although part of the correction may be uncomfortable due to ongoing rejection by some of the “inhabitants.” Perhaps the main aspect of the correction will be the witness of God’s people who will be sent there in order to lead them to the Anointed One.
I believe that in this life, salvation is life-long process and that no one can be said to be “saved” in the fullest sense until “He who began a good work in you will bring it to completion at the day of Jesus Christ.” (Philippians 1:6). However regeneration is not a process, but an event. If we belong to Jesus, the Anointed One, then we have been regenerated, and have entered the door of salvation.
However, since you regard me as “crazy” I don’t expect you to take any of this to heart.