Every answer you get is an opinion even if they are vehement about it and include lots of bible verses, some not really applicable or out of context. Here is my opinion for what it's worth.
My bible says over and over and over that the dead are sleeping (until the end time). I do not know where. I suppose the saved are somehow with Jesus, but it makes no sense to me that they are in heaven and the condemned in Hell, else what is the judgement day for? This, for whatever reason, is not what I perceive the popular opinion. Everyone wants to believe their loved one went directly to heaven. Some people try to explain the dead are sleeping passages as they pertain only to the body which is resurrected. The flesh rots away, so I don't understand their argument. Perhaps God is to take the atoms and molecules and create a new body. Also, the term "spiritual body" is perhaps the greatest example of an oxymoron I can imagine - a bit like saying night-day, yes-no, positive-negative. A body is by definition tangible while "spiritual" is by definition non-tangible. And yes, I know the term "spiritual body" is in some bibles.
Generally I beware those who seem to have all the answers. There are many, many religious things I don't know or understand. If St. Paul said now we see through a glass darkly, and he was closer to the Lord than any of us will ever be in the flesh, then who am I to proclaim that I have all the answers?