The only things that could be called real were utterly simple beings of psychic activity "endowed with perception and appetite." The other objects, which we call matter, are merely phenomena of these simple perceivers.
Going back to the afterlife, what happens to the monad that's now being you, when it leaves the game? There's a lot of evidence on this subject from near-death experiences. A common objection to NDEs is that those people must not have been really dead, but this is an example of the No true Scotsman fallacy. People have been dead by every clinical definition, including having no brainwaves, sometimes for multiple days, and have come back with reports.
These reports have less in common than you've been told. Not everyone goes down a tunnel to the light, or is greeted by family members. I heard about a guy who was greeted by John Belushi in a bee costume. Some NDEs are so out-there that the person can't even explain them in words. But this Reddit post generalizes from the bulk of reports: What The Afterlife is Like, Based on 100+ Years of Evidence.
Personally I have a variation of Pascal's wager. Pascal was like, "What if the wrathful Christian God is real? I'd better believe in him just in case." I'm thinking, "What if we get to write our own afterlife?" Surely it's not that simple, but what have I got to lose, if I imagine it in detail? This Reddit thread includes my answer from six years ago: If you actually go to a paradise after you die, but the paradise automatically is set up in a way which will be the absolute maximum best and pleasing experience for you, how would your paradise be like?
So, if the afterlife is so great, what are we doing in this dystopia? There are many answers to this question, which I'm not going to get into, but another thing that NDE-ers generally agree on is that suicide is a bad idea. I can make sense of this with the metaphor of walking out of a movie. You might walk out if it's near the end, you're not enjoying it, and you're ready to go home. But you don't want to walk out during the most intense part -- that's why you went to the movie in the first place.