I think I can see where you are coming from. Many spiritual people may embrace God(s) yet dislike organized religion and religious institutions or simple feel that such institutions do not fully reflect their own beliefs. Religions are usually fundamentally the same -- similar teachings, similar reasons for why people have turned to religion -- so one can argue that all they are facets of reflection of one God. The fact that you (if I understood correctly) call God not a person but a more abstract concept -- fate? life? the universe itself? -- is also a point I can accept. (I'd rather not think there is a person or a people organizing our way of life.)
However, despite not being a scientist, I still believe in that our universe was created according to the Big Bang theory. What came before, I do not know, but then again there is a lot of things even within our current universe that have yet to be fully understood. Unless God as you describe it is truly such an abstract thing as to be a personification of the laws of Physics, I do not think God was behind Big Bang. In my eyes, saying that God did it and not providing any reasoning or theories of physics to support it, just isn't convincing, I'm afraid. Do animals other than humans think of God? Why does God work in such mysterious ways?
So, what I do believe is that the God-concept is a thing that is so abstract that it only exists within our heads. This is to say that God (as you characterise it, not a God of a specific religion) indeed is what guides our actions. God is the motivation, inspiration and guideline for so many people, that s/he cannot be dismissed just like that. That's why I think people need God and why religion has been created. But like I said, Id rather not think this God is in charge of our lives, not of yours, not of mine. It is the circumstances and our choices that determine them. In my humble opinion, God may guide our philosophies and such matters, but not the gender we are born, whether our crush likes us back or whether we stub our toe.
Which brings us to the point I made in my essay: IMHO there is so much in this world God plays no part in. Or if God does, I am just unable to comprehend/realize/believe it. Generally God is good for spiritual guidance and kindling hope, but personally my relationship with God is still tricky because of my lack of faith. Yet, I have come to realize this has not been a problem to me.
Maybe somehow deep down I still believe (without knowing) in the God you described, maybe not. But to each their own. I am glad you are comfortable with your spirituality. I respect that.