Firstly, I am really sorry to hear about your family problems. I hope things work out for you, your wife and your child.
To address the point of religion - I try to keep the view that it is horses for courses. I was brought up as a strict Roman Catholic and even though I do not consider myself to be a practicing Catholic, my upbringing stays with me. There is a good side to this and a bad side.
The bad side is that to a certain degree I still have a lot of the hang-ups that go with being a strict Catholic. And I can't help thinking that I have been brainwashed - when I go to church for weddings etc. I am still able to make the right responses at the right times etc. etc. etc. No wonder my best friend calls himself a recovering Catholic
The good side is that it gave me a really good moral foundation during my formative years, and a deep spiritual side that I am not so sure I would have had without a strict religious upbringing.
Now I do not follow any formalised religion - I have a set of beliefs that are drawn primarily from Christianity and Buddhism (some say they are pretty similar anyway). However I can still see the value in a life where religion is a central pillar. It is not the life for me, but it can be valuable nontheless.
Serpent - I don't think religious belief has anything to do with intelligence. What religion can offer to people touches something within people that is beyond intellect, and goes all the way into the core of a person's being.
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Behold, I see my father and mother.
I see all my dead relatives seated.
I see my master seated in Paradise and Paradise is beautiful and green; with him are men and boy servants.
He calls me. Take me to him.