I love the way Erin paints the picture of what happens when you die. It also matches how I've always thought it was and thought it should be, but haven't before heard of anyone else that thought it too. Anyways, I thought I would share some specifics that I believe on the subject too.
When you are in the replay mode, I believe it's much like a simulation. Because you have the infinite wisdom of source as you are returning to it, you can see the entire impact of every action and every decision you made. As you aren't a physical body at this point, you get to feel the impact in the ether through the emotions and thoughts of people as it spreads out. You get to see all the good you did in the world along with all the bad, but at the same time, being disconnected from the direct reality, it's much harder to get so attached as living people do. Some people still get stuck into their guilt cycles and can't face what they have done, so this guilt cycle continues on after death and they live in their own ghostly hell. The reason why it being a simulation is important is because you can fast forward, rewind, change actions, and see the results of different decisions. I think this is for two reasons, being able to put all your earthly doubts to rest thus freeing yourself up from attachment and guilt, and also to give you wisdom and knowledge from the entire life experience. The important thing is that while it seems like it's another world, it's not. It's a simulated replay of what would have happened, but it's not actually happening. It's the reason why our guides are with us, so they can remind us of the truth and so we don't get lost in replaying the same life over and over.
As for why we go through all this? To learn and grow. When we next reincarnate we use all the wisdom we have learnt to create our next life to be a challenge for us and to learn some new wisdom. Life is here to be experienced and learnt from, because that is really the only thing we can take with us when we leave. The reason why we don't have a script laid out to follow is because that won't lead to wisdom for us. It's only through challenge and adveristy do we succeed or fail, and it's only through success and failure that we grow. As a help though we do have guidance by our own intuition, our guides if we choose to listen or even other people we have in our lives, but in the end it's up to us. We can ignore everything around us and down our own thing in this world, but we probably won't learn what we set out to. Or we can follow our own high self guidance down a better path full of challenges that are far better suited for us.
My only question is, do we get a measurable score at the end for how well we did? :P