@GershonGold's answer quoting Ramchal follows the Ramban-like view, as @Moshe noted, that the Resurrection is a necessary part of the process of "the final judgement". I would like to offer an answer that does not follow this view:
Just to mention the more non-traditional ways of approaching this problem, I know of two:
- R' Yitzchak Arama (Akeidas Yitzchak, shaar 6) feels that the terms t'chiyas hameisim and olam habah are in fact synonymous, both referring to the eternity of the soul in the non-physical world. Thus, there is no such thing as a "physical" resurrection of the dead.
- Following what he believes to be Rambam's approach, R' Yosef Kafih writes that t'chiyas hameisim involves the resurrection of the body alone, while the soul remains in its eternal rest of olam habah.
However, realize that your question involves another assumption: that the resurrection is for the benefit of those being resurrected. Upon this the question falls that this cannot possibly be beneficial to them.
For this reason, I prefer (as usual) the approach of R' Yitzchak Abarbanel (Maayanei Hayeshua 11:9) who denies the above assumption (although not entirely). He writes that only the great leaders of the previous generations will be resurrected, whether they be the former righteous leaders of the Jews or other nations, or the former evil leaders and persecutors of the Jews. The purpose of this is "יַכִּירוּ וְיֵדְעוּ כָּל יושְׁבֵי תֵבֵל... וִיקַבְּלוּ כֻלָּם אֶת על מַלְכוּתֶךָ" - so that the great leaders of history can testify to God's greatness and universal sovereignty, and the entire global population will follow the Jews in serving Him.
Thus, it is not necessarily for the benefit of the dead that they are being resurrected, but rather for the benefit of the living population, even though the dead would be better off staying that way (the righteous ones, at least). Also, Abarbanel disagrees with your premises (1) and (4) above. The former as already noted, and the latter in that free choice is never annulled. In fact, free choice is what makes human souls Godly to begin with, a property for which it would be ironic if it were taken away during an era we identify as ideal.