So will Allah give the 72 virgins to the dirtbag muslim suicide bomber who kills old ladies and children, or to the muslim policeman who gave up his life smothering the suicide bomber with his own body so that the death toll was much smaller? 

This is not an insignificant question.  It defines whether islam is a religious or political doctrine.  As an advisor the the Royal Saudi Arabian Army, I had a lot of time on my hands, and so studied the Q'ran and asked the Saudis a lot of questions about the Q'ran and Bedouin society in general (all Sauds claim to be of Bedouin stock).  It is clear with just a little bit of study, and a willingness to go beyond the "sacred" wall that compels all muslims to refrain from questioning the Q'ran as a political and societal doctrine, that it is simply a book that codified the Bedouin/Arab societal norms of the times, using a semi-religious foundation to ensure compliance.  This is not much different from the western Middle Ages' kings claiming divine guidance for their proclamations.  Some of the more benevelent kings used this belief by the peasants to codify rules that were beneficial to their society.  Muhammed, having a lot of time to think this through while he sat alone in his cave on Mount Hira, did the same.  Thus the Q'ran. 

However, since this is now the basis for a religion, and a religion that has sparked thousands of violent terrorist actions over the past years and promises more to come in the future, it is relevent to question whether the imams, those chosen to interpret the Q'ran into current society, will say that the terrorist or the policeman, both killed by the same bomb but for completely different reasons, will get the blessing of Allah.  If the imams cannot say which one will go to a reward in their heaven, or if they chose the suicide bomber as the one to get the heavenly reward, then they are supporting not a religious, but a political book that has no more right to be considered sacred than does Das Capital, or Mao's Little Red Book, or Mein Kampf.