The Universe Doesnt Care, But Clara Does
At the end of The Snowmen, Madame Vastra suggests that Clara may still be out there because the universe makes bargains after all. But we now know that Clara wasnt there because of destiny, or because the universe was being kind to the Doctor. Clara was in Victorian London because she chose to be there. Thats almost definitely why she knew to say pond during the one-word test, and why she ran into the Doctor as a child and gave him some advice. An ordinary girl, who cared.
The Doctor says in The Snowmen that the universe doesnt care, while in the background Clara angrily shakes the cab and shouts. Clara wouldnt have been there if she didnt care. She was in Victorian London, in the Dalek Asylum, and a thousand other places because she cared enough about the Doctor to sacrifice her life.
And in the face of death, Clara asked the Doctor to do what any humanist would: keep going, and remember me. Because if there is no afterlife, we live on in the memories of those who loved us.