I think that's exactly part of it Nathan - our "natural", survival instinct.
OTOH, as a believer especially, we do have better to look forward to. Paul made multiple statements about being absent in body is to be present with Christ, for him to live is Christ, to die is gain, etc. There is also encouragement to set our minds on "things above", and not to be "encumbered with the things of this world".
So for me, there's a balance - live a joyful, thankful, surrendered life here, for whatever time God gives us. But to look forward to the time when this fleshly veil is rent, and our mortality takes on immortality - to not be so wrapped in the day-to-day cares of this life (money, housing, food, jobs, etc.) that our focus is off the heavenly/spiritual. Then we not only live well here, in God's will, we're ready to pass to the other side.
I think my dad did it the right way. He was a very strong believer. He enjoyed life, gave God the credit and thanks for all the blessings, but still very much considered, in the words of the old hymn, "this world is not my home, I'm only passing through. My treasures are laid up somewhere beyond the blue..." When his old earthly body betrayed him and there was no natural hope for recovery, he stopped taking the medications that were propping up his old flesh. After some time at home, he went into hospice. He saw things there before he passed that were beyond our comprehension. He asked once, "into the air", "am I supposed to speak English"? (he spoke no other language). He kept looking "into the distance" and described beautiful colors he was seeing, stating something like "there's thousands of them". Once he said "we're out into glory!" After 2 weeks in hospice, he peacefully went to sleep in Jesus.