Well, take it for what its worth, but here is how I see it:
When initially delving into the C's material and the Wave books, I think that many of us felt this way. I know that I certainly did. In many ways, it is a natural response. When you start reading about cataclysms, mass-extinction, and all of these other really 'bad' things, it can be quite scary. After all, to a large extent it seems like human beings are wired avoid suffering and have an innate fear of death, and so considering that as an imminent possibility naturally evokes all of these kinds of negative emotional responses, and also a sense of urgency.
And then as a solution to all of that scary stuff, we read about the possibility of graduating to 4th density. This is an attractive solution, because it appeals to the part of us that ultimately wants to be "saved" from the suffering that is inherent in this reality. Just look at any conventional religious tradition, and you will find promises of graduating to some higher-realm (e.g heaven in Christianity). It seems that people find solace in the idea of graduating to some place better after battling through this life perhaps because it can provide them with some meaning and purpose, and a reason to actually do good things and be good to others. After all, if there was no "heaven", then what would be the point?
Furthermore, the promise of being "saved" by some external entity or higher power absolves one of individual responsibility. It gives people the false illusion that, as long as they follow a specific set of rules, then they will progress to a better place. This kind of promise appeals to people, and I think it is (at least contributing) as an underlying driving force behind adherence to any religious doctrine. I think in a very simplified way, people follow the rules and behave in a certain way not because they have internalized a set of values, but because they believe that it will bring them salvation. At its core, it is fundamentally based on service to self IMO.
So, although the C's transmission provides a completely unconventional and "alternative" view on things... It can be interpreted and acted on in ways that are very similar to any other kind of conventional religious teaching. If you replace the word "heaven" with "4th density", and you replace "praying at church" with "participating on the forum and reading the books", then you can produce a framework which is almost identical with other religion. For me, it started out something like this:
So, can you see how the underlying dynamic resembles a typical religious mindset? We must therefore be cautious not to place the C's on some theological pedestal in replacement of "God".
This human tendency is something that we all need to be aware of when studying the C's material. Why?
Because this is essentially the opposite of what the C's have taught us. In stark contrast, we will not be "saved" by any external authority. There will be no "salvation" and there are no "rules" to follow to graduate to 4th density. There is only lessons, and they can be can learned if one makes the conscious choice to endeavor on this journey through honestly seeking knowledge of objective reality, despite it being unpleasant and often painful, and then learning applying that knowledge in the way that we live our lives in service to others. In that sense, it is up to us as individuals to take full responsibility. That is, of course, if someone "resonates" with the concept of service-to-others.
Rather than acting a certain way just because some perceived authority figure (like the forum) tells us that is what we should be doing, it would serve us well to attempt to develop an inner guidance system which is based on higher values- truth, serving others, "loving" in the real sense of the word etc. To make the choices which are aligned with those values, not because you will gain anything from that, but simply because you have an inner recognition that it is the right thing to do.
Here is a scenario that I like to consider: that the C's predictions and teachings about 4D were completely false. I don't think they are, but hypothetically lets say that it was all nonsense. Would you still have a drive to seek truth in every aspect of reality? Would you still strive to be the best person you could be to support and be good to those around you? These are questions we honestly need to ask ourselves.
The idea of going up to 4D is all very magical and intriguing, but none of us can be certain that it even exists. The discussions about 4D here are purely theoretical, and they will remain that way for the forseeable future (from what I can see). The most important work done here, is dealing with what we have in the here and now. Learning how to become better, more honest human beings. Learning how to serve others to the best of our ability. Learning about the true nature of this reality, and how to make the best possible choices based on that information.
So, a long story short - I think that your fears are fairly common and are completely understandable. However, through gaining knowledge, learning as much as you can, reading the various discussions here on the forum, participating/networking on the forum with others, and having a sincere drive to see the truth, you will begin value the importance of working with what you currently have, instead of worrying about what might come in the future.
One quote from the C's which comes to mind here is [I can't find it to quote it, so this is paraphrasing and someone can correct me if I quoted it wrong]:
"Its not where you are, but WHO you are and what you see!"