The purgatory is a perfectly self-contained 10-acre plot of land that you create limited mostly by your imagination, but you’re cut off from the world and other people.
The internet connection is stable, but you lack a physical body and cannot upgrade the machine hosting you - your hardware will become out of date fairly quickly.
Time still passes in either case?
Well, my wife would miss me in either case, and I wouldn’t really be there for my stepson’s young adulthood, in either case. Even if I did the online thing, it would be similar to moving away from my family as far as they’re concerned, and that would be pretty hard for them.
After the 20 years, if I pick the online option, do I get back my current body, or is it aged by 20 years?