I think you'd get on very well with some Buddhists I know. They've made much the same sort of arguments to me, ie that god is something that can only be found through knowing the self. It is possible for others to help, but really the only one capable of ensuring salvation is oneself.
I too don't really believe in a heaven or hell; where I am now seems far more interesting and varied than either could ever be, so I'm not in any great rush to depart for spiritual bliss or eternal agony. But I think I'd rather fade away than burn, if only because I'd like to know what happens next.