C.S. Lewis may have explained it best. You have escaped from a train wreck with your life -- but your clothing is filthy, you're unshaven, you're feeling kinda bad. The Host of the Feast says, "Come, enter into joy." You say, "my garments aren't ready, I'm not fit to enter in." The Host says, "Still, come in." "I would rather be clean." "It may hurt." "Even so, Lord!"
2 Corinthians 5:17 says:
Therefore if any man be in Christ, he is a new creature: old things are passed away; behold, all things are become new.
New creations don't have to be purgatorially spruced up to stand before God.
From Hebrews 10:
 My friends, the blood of Jesus gives us courage to enter the most holy place  by a new way that leads to life! And this way takes us through the curtain that is Christ himself.
We have a great high priest who is in charge of God's house. So let's come near God with pure hearts and a confidence that comes from having faith. Let's keep our hearts pure, our consciences free from evil, and our bodies washed with clean water.
There's no need for any postmortem spiritual purging. It was all done at the cross by the blood of Jesus.
C.S. Lewis misses the mark. You don't show up in heaven tattered and disheveled from a train wreak. No, the blood of Jesus makes it as though you'd never been in a train wreak at all.