I'm not sure about choosing faith out of fear of the unknown, but that's a bit of an ignorant way of looking at things. I have always believed in God just because that's how I am, it's never been particularly forced on me, but regardless of external factors, I've always pursued it. So genuinely, my faith is all about loving God, not fear of the unknown. If people enter into it through fear and not love, they're getting the wrong end of the stick.
Re choosing hell, I think that God asks for faith not logic. One of the easiest ways of confusing yourself into not believing is by making it all too complicated, and neccessitating evidence. I believe because it feels like the truth, simple as that. But, if Jesus is there when you die, (which is what I believe is the case), and you see Him and you choose not to follow Him, then yes I guess this would be choosing hell, wouldn't you agree?