Brother, you're asking hows when we have the what and why.

We don't know how gravity works, let alone the minute detail of how the soul develops.
But I know if I go see my wife right now in nine months a soul (the what) will be there because I got her pregnant (the why) and want to be fruitful and multiply.

Same for the step-by-step of how we'll be judged. We don't have that. We are told *by what standard* (the what) we'll be judged.

By how the sheep were treated.
The sheep will be judged by how they treated the sheep (Matthew 25:31-46).
It's the same thought as "Love thy neighbor as thyself ["neighbor" is not the Greek word for geological neighbor; it is the word for one "near you"]. (Point of the Good Samaritan parable--literally answering a lawyer asking "Who is my neighbor?" in Luke.)
(Also note that "Love you enemies" is not "Love God's enemies," who should be our enemies.)