What is the consensus within Christianity regarding the application of infinite punishment in response to finite sin?

My understanding is that the concept of Hell can have multiple interpretations. Some see it as a temporary purgatorial state or as a state of separation from god. My question focuses on Christian beliefs where Hell is characterized as a place of eternal conscious torment. Do Christians holding such beliefs see the idea of infinite torment in response to finite sin as generally compatible with that of a loving, just, or benevolent creator? Is there a consensus on how to reflect on this issue? What bothers me about the idea of eternal punishment is that it would actually be better for a person to die as soon as they are baptized, since that would drastically reduce the possibility of being sentenced to Hell. The person might end up in Heaven anyway, but getting a few comparatively fleeting conscious moments in exchange for a higher risk of infinite pain looks to be an insanely poor deal. (For the sake of argument, we may ignore the denominations which believe that damnation is pre-determined)