The spiritual plane functions more like greek myth in that it’s all pretty much the same location just separated into different areas. It looks sorta like this
Those purple lines are all paths to different dimensions in the mortal realm. They’re like streets where souls go in and out from, and they all mix together in the Hub itself. While most souls end up in the neutral area, if someone is super nice or just really awful they end up in one of the more extreme areas. And like depending on how you acted you could end up closer to one extreme or the other.
In terms of religion, it kind of depends?? Like if you were super devout and dedicated you would probably see the deities of your own religion walking around, but it wold probably also mean you’d see those of other religions walking around too. This is sort of following Saint Young Men logic where the deities like to hang out together and stuff.