Agreed with Mardav...as SaraT said, these perspectives are the reason many commit suicide or perhaps engage in risky behavior or put risk their lives at risk without a care for the outcome.
What happens is that if you choose to incarnate again then you surely will face similar challenges and lessons in that lifetime. If you do not choose to incarnate again, you will face similar challenges and lessons in spirit. Yes, of course you can take time outs in spirit for as long as you like
till you decide you're ready to take the next step, wherever that may be.
It's just you and there's no getting away from it. Best take it one step and one day at a time and go as easy and as slowly as you need
Here's a plus...if you have had severe challenges that you really could not manage well with your resources at hand -- then you personally can ask for more resources (including emotional and spiritual resources, such as faith and grace and fortitude, as well as physical resources in the flesh) next go round so that you can better rise to your challenges.
But...now that you're onto the system, then AS SOON AS you realise your resources are thin in any areas, ASK NOW.
ASK NOW for more grace, more faith, more fortitude, and yes more support from your guides
Peace & blessings
Bound by conventions, people tend to reach for what is easy.
Here we must be unafraid of what is difficult.
For all living beings in nature must unfold in their particular way
and become themselves despite all opposition.
-- Rainer Maria Rilke