Can you explain the philosophical teachings presented in Chapter 31 regarding the importance of one's state of mind at death?

In Chapter 31, there is a significant philosophical discussion about the moment of death. The verses explain that the state one attains in the next life is determined by whatever one meditates upon at the time of passing. For this reason, the chapter emphasizes the continuous "practice of remembrance of the Name" to ensure that one's focus remains on God even during difficult final moments. It is noted that a lifetime of effort can be wasted if one "fell asleep" at the end. This is why surrendering to saints is considered vital, as they understand the process of coming and going and the devotee's state at the end.