GDR writes:
So, to go back to my point the materialist is always limited to material answers
Atheists aren't, though. Perhaps, given that the thread asks "are atheists philosophically limited?", you should have looked up "atheism" rather than "materialism".
Then, you would have found out that atheists can have a wide variety of philosophies, and that there are non-theistic religions with non-material beliefs that they can follow.
They can also, so far as moral philosophy is concerned, follow versions of
your religion.
Christian Atheism!
You, as a Christian theist, cannot be a Jain or a Buddhist. But there are atheists in these religions.
Atheists can also be agnostic about anything they wish to be agnostic about, including gods, and most do have some level of agnosticism towards the existence of gods (they do not claim to
know that there are no gods, just don't believe in any of them).
Atheism in its broadest sense, which encompasses anyone who lacks belief in gods, doesn't really mean anything more philosophically than what it says.