Catholics say there are 2 destinations also. But yoiu cannot get into Heaven unless you are purged of all your attachment to sin
and that may take more time than you are given on Earth... I'm sure you know people who have died young, people who have died though they seemed to have so much more to do in life..
But i guess you say if they are not ready, it's eternal Hell for them?
in any case the Church Christ founded did not make up Purgatory out of thin air. In the Old T there is talk of praying for the dead (after a battle involving the Maccabees)
and there is Mt 1823 and etc...
but then... Protestants (OK, antiCatholics) only care about the Bible when it can seemingly be used to refute all things Catholic so I am probably, as usual, talking to a wall
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