Why worry about it?
Serious question. Im in pretty much the same situation, id have to severely lie to myself and those around me to play make believe games that i believed in god. I dont. If i get judged badly for not pretending to believe then i surely get judged as badly for pretending to believe.
Plus no one can even decide what the basic rules of the biblical faith are:
http://en.wikipedia.org/wiki/Ten_Commandments
I mean can you even tell me what the Sabbath is and how to keep it holy? Ive seen several interpretations. If i am to only worship "god" then which version of the god that uses the biblical texts am i meant to be worshipping exactly? This is especially true when Jews and Christians interpret a lot of the same Old Testament differently.
Plus look over that list, the four groups cant even work out which of the commandments is which. Anglicans dont even consider "i am the Lord your god" a commandment, whereas the Jews consider it a commandment on its own.
If nothing else the way i see it is if there is a god and i am meant to believe in him i would do. In the mean time im happy just being a good person. I would expect to see more good none-believers in heaven than bad believers.
The idea that Howard has, which i assume he isnt being 100% serious, of just picking a church and hoping it is right seems a lot like Pascal's Wager to me.