Is the Final Judgement like a train station or a waiting room?

What do you think? When you die you go straight to Hell and suffer, or go to Heaven and party with God? OR, when you die do you just hang around in a giant waiting room with everyone else, waiting on the final judgement? I'm hoping for the second scenario, that way I can get Gandhi and Hitler into argument, and they can settle it with arm wrestling. Also, state why you think the end is as you believe it is.