I agree with the OP, and I used to be an "insider" evangelical who was all sold out for Jesus and going to heaven. And along the way towards my current state of agnosticism, I realized that yes, heaven and hell sound as boring as... well, hell, to me.
Maybe there's a reason that life is finite, maybe not, but I'll take it as it is. I'll be quite happy if the Buddhist belief in reincarnation does hold true, though of course I'll never be conscious of the fact. That's okay.