Consider this first...

When being born physically you are leaving the frame of reference that made this decision. You are withdrawing from your oversoul exposure
and are opting for this chance to be limited.

Now you're physical, and your ability to relate is fully wrapped within this context.

It naturally appears to me that we would be missing key components in order to understand why we would bounce from life to life.

The decision to adopt another life isn't made while engaged in this physical perspective.
So I suspect when we do make such a decision we're then much "smarter" than we happen to be while cloaked in this body....

In which case our options would be considerably more clear...

So I figure it's wiser to concern ourselves with such things, when the moment is more aligned toward doing so.... :^)