There's nothing to dispute. You have a defensible position.

However, I think most humans have as part of what satisfies them (they may not know it until they try it), the desire to feel righteous, which can most fully be realized with a hard-to-shake belief. For a rational person, moral realism may offer this without requiring tremendous self-delusion. (disclaimer: I haven't tried this).

Is it worth the cost? Probably you can experiment. It's true that if you formerly felt guilty and afraid of punishment, then deleting the desire to be virtuous (as much as possible) will feel liberating. In most cases, our instinctual fears are overblown in the context of a relatively anonymous urban society.

Still, reputation matters, and you can maintain it more surely by actually being what you present yourself as, rather than carefully (and eventually sloppily and over-optimistically) weighing each case in terms of odds of discovery and punishment. You could work on not feeling bad about your departures from moral perfection more directly, and then enjoy the real positive feeling-of-virtue (if I'm right about our nature), as well as the practical security. The only cost then would be lost opportunities to cheat.

It's hard to know who to trust as having honest thoughts and communication on the issue, rather than presenting an advantageous image, when so much is at stake. Most people seem to prefer tasteful hypocrisy and tasteful hypocrites. Only those trying to impress you with their honesty, or those with whom you've established deep loyalties, will advertise their amorality.