Yeah, I thought this was the official stand:
You could either (a) die before Armageddon, or (b) not die before Armageddon. If (a), then you’re golden. You could be one of the the righteous or unrighteousness that will be raised to grow to perfection in the 1000 year reign. The idea was that you paid for your sins by dying. This was normally the time “the wage sin pays is death” scripture is invoked. If (b), then you are alive during Armageddon, and if you get killed, it’s viewed as your judgement. You don’t have to be resurrected for the final judgment. You get it right then and there.
If (a), then you final judgement will be at the end of the 1000 years. If (b), the big A is your judgment time.
So technically, the best scenario is that you die before Armageddon. Unless you sin against the Holy Spirit, then you are forked. What constitutes sinning against the holy spirit was always a bit fuzzy to me.