I think you did miss something. You write that everything adds back up to normalcy, but I observe that physical materialism feels bereft of meaning compared to the theistic worldview. (I can give more details regarding this, and concede in advance it is not a universal experience.)

If I can construct a free-floating belief system that makes "values" coherent for this bereft person, on what basis should they not prefer the free-floating belief system? The running argument seems to be that they should value 'truth'. However the obvious catch is that the person only places a terminal value for truth from within the free floating belief system.