I lived with my aunt almost half of my life (her family is super religious) i was raised believing in God and the afterlife. I have to admit, if i didn't believe in Hell i'd probably be a slut already. I think religion helps maintain self control a bit, thats what its done to me anyways.
I think I'm somewhere in between #2 or #3
Hell, you can come live with me anyday. (jk jk poodle)