Going back to your fear of forgetting your loved ones, my personal theory about reincarnation is that we never loose our personal identity, which already exists even before we are born, and that our loved ones don’t lose their personal identity either. My understanding is that, IF we incarnate more than once, in the Spirit World these incarnations are all happening at the same time, because there is no space/time beyond the physical and astral world. So we are already reaping the benefits of our past, present and future self NOW. So, in the Spirit World it becomes clearer to us that we have already been there.
There is a wonderful book written by Anita Moorjani about her NDE, in which she explains this very well:
Dying to Be Me, in Spanish