A reality design with eternal torment is non-loving
When religious arguments try to justify eternal torment or annihilation, they often appeal to "free will" responses, but this is an obfuscation on value. Free will isn't meaningful onto itself (in a vacuum). At the most fundamental, the things that are truly valuable are experiential qualities such as love, joy, peace.
An argument can be made that free will somehow enriches those values by adding novelty, but a souls nature or capacity for freedom that can result in the anthithesis of what is fundamentally valuable, is not valuable and implies an extremely flawed design.
A more specific response to the "love requires the option of refusal" is that it is an equivocation:
It is equivocating living within a context of meaningful life (love, joy, peace) with being forced to do something. A reality including a souls nature being founded on love, joy and peace is not equivalent to them being forced to do something or lacking free will.