Regardless of character, honesty, justice, kindness, or virtue at all, if you take the bible at its word, failing to accept that a Jewish carpenter and rabbi was cruelly murdered and then resurrected in first century Palestine––events which you didn't witness and otherwise defy every scientific precedent available to us––makes you worthy of eternal torture. What else apart from religion could make someone believe something like this? What other force besides pure credulity could account for this worldview? Now it's possible to call yourself a Christian and not believe this, but you'll have to admit up front that you've given up any claims to orthodoxy and you've pretty much dismissed the bible as a source of anything but interesting stories. That would leave us only then with the question why not drop the label?
This isn't entirely accurate, at least not according to how I've read the Bible. This is how I see it:
We are called to live moral, just and kind lives above anything. If you do live your life that way, an inescapable consequence is that you are always searching for what is "right". God rewards that, because that is the ideal human nature. If you have never heard the gospel, or had a thought about God, or didn't know anything about Jesus, as long as you live your life to the best of your ability and are constantly seeking to know and do what is truly right, then either God will bless you via sending someone into your life for you to hear the good news, or it's of no consequence and you are forgiven and saved through grace regardless. I'm yet to decide if I believe that you have to personally know about and believe in Jesus Christ to be saved, but if you do and you are seeking righteousness then God will give you that knowledge.
A bit off-topic, I just wanted to throw that out there.
I think it's very much on topic, actually.
So when Jesus says––or is claimed to have said––that "I am the way, the truth, and the life.
No one comes to the Father but by me" (emphasis mine), that's not to be taken literally?
How about Romans 9? "And not only so, but also when Rebekah had conceived children by one man, our forefather Isaac, 11 though they were not yet born and had done nothing either good or bad—in order that God's purpose of election might continue, not because of works but because of him who calls— 12 she was told, “The older will serve the younger.” 13 As it is written, “Jacob I loved, but Esau I hated.”
Your scenario above seems to be an invention. An understandable invention, but not present in the bible. It's also a Catch-22 like the kind kind that Mormons use when they come knocking at your door. They hand you a book, tell you to pray, and if you're sincere enough, God will reveal himself to you. Well that's terrific. If it works, God is true. And if it doesn't happen, then I wasn't sincere enough, but God is still true.
In my situation, I have heard the good news. A thousand versions of it, some contradictory, all slightly different from one another. My response to these glad tidings is that I think it hasn't been sufficiently demonstrated. No argument or evidence has been presented to me so far that would make me believe it. Which then leaves me with experience and usefulness. To the first, the experiences of every religion resemble each other so much that I find them better explained with psychology than divinity. About usefulness, a much bigger issue but the summary is that while I think religion certainly has its uses in peoples' lives, there's nothing about that I've seen that makes me think we couldn't do without it.