Let's take a closer look at the passage.
2 Cor 5
6Therefore we are always confident, knowing that,
whilst we are at home in the body, we are absent from the Lord:
7(For we walk by faith, not by sight
8We are confident, I say, and willing rather to be absent from the body, and to be present with the Lord.
You quoted verse 8, but you can't understand what it means without also reading verse 6. In verse 6, he flat out says that being at home in the body is to be absent from the Lord. Why would he have said that if we are also absent from the Lord when we are absent from the body? We have the Spirit dwelling in us, so had to be talking in terms of not being in His very presence, which we should know would mean we'd have to be in heaven for that to be the case. If we are still absent from the Lord when we physically die, then why would Paul say that he'd rather be absent from the body and present with the Lord instead of still being present and alive in his body?
What he is really saying there is that he'd rather be physically dead so that he would then be spiritually present with the Lord than to still be physically alive but not in the Lord's presence in heaven. It's the same concept he talked about elsewhere.
Philippians 1
20According to my earnest expectation and my hope, that in nothing I shall be ashamed, but that with all boldness, as always, so now also Christ shall be magnified in my body, whether it be by life, or by death.
21For
to me to live is Christ, and to die is gain.
22But if I live in the flesh, this is the fruit of my labour: yet what I shall choose I wot not.
23For
I am in a strait betwixt two, having a desire to depart, and to be with Christ; which is far better:
24Nevertheless to abide in the flesh is more needful for you.
If nothing much changes when we die as you seem to be claiming then why did he say to die is gain? Notice verse 23. He is implying there that he would like to depart (physically die) so that he could be with Christ in heaven, which he says is far better than still being physically alive here. But, he's torn because he knows he's still needed on earth. He also implies in verse 23 that to depart or physically die would result in being with Christ. That's why he could say earlier that to die is gain.
If it would only be until potentially much later (at the resurrection) that he would actually be with Christ then the things he said there would not make any sense. Why wouldn't he just want to stay around as long as possible if he'd have to wait to be with Christ whether he died or not? I believe he is clearly implying that he expected that he would be with Christ immediately after he physically died.
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