UKShootist....Your question has bothered many people and not just you. The traditional fundamentalist answer is well that is just too bad, off to hell you go. Other folks try and find an answer with more grace that law.
There are many universalists who say, everybody is going to heaven and that is that. God is to graceful to hold anybody eternally accountable.
Then, there are the folks who tend to see it more like you. Once a fellow has the opportunity to say yes to Jesus, seeing all of His full glory, nobody is going to say no. This is not pure universalism, as it preserves human choice, albeit after death.
There is one piece of the Apostle's Creed that says Jesus descended into hell (i.e. the place of the dead) for three days. Some folks understand that He preached to the dead folks. Here is a link to a pretty good article on that subject. It is a 2,000 article from Christianity Today a conservative publication.
http://www.christianitytoday.com/ct/...ry7/31.74.html
Me? I don't spend to much time trying to figure all of this out, for it isn't my business. It is God's business and we know him through Jesus to be loving and graceful. We can count on God to do the right thing, in these matters that seem so murky to humans. Whatever God does will be far and away better than any of my thinking on this riddle.