Yah, I feel what you're saying.
Though I am a fundamental Christian, I also believe that organized religion is a bad thing. The church, though unified, is supposed to carry out its functions individually. I don't, however, see anything wrong with people with the same belief system to congregate and discuss things of that nature; after all, it is also in the Bible.
Because I am an open-minded person, I consider all things before I make a final decision. As for the various religions, one must carefully analyze what they are getting into. Christianity is only religion that has no serious drawbacks, as long as you don't take everything literally. Admittedly, most religions have various concepts that are, indeed, veritable, but I haven't found a lie in the Bible.
God would be beyond human intellect, and so would an afterlife. The intellect can not decipher the ethereal. I know people (and things) do not have these various abilities for no reason, and must have been a thought in an intelligent Being's mind. Everything in this world has a function, though many times it is abused.