Hey losthobbit!
Great question and discussion. One of the most important questions on earth and in history.
Might I suggest that we all forget what religion/ists taught us and never trust them ever again. For religious leaders (the clergy class) the REAL Jesus (on which genuine faith and spirituality are based) will ALWAYS be a "stone of stumbling" and a "rock-mass of offense" (since he leads people away from religion/ists).
Faith is best understood once experienced.
Faith is not belief - this is a religious lie - to hide the fact that religionists have no faith. This is why most "statements of faith" proceed with a list of (supremacist doctrinal) beliefs. The word faithS (plural) is also non-existent in scripture and another deceptive invention of spiritually blind religionists.
Faith issues from God, belief issues from man. Belief is not listed as a fruit/age of the Holy Spirit, whereas faith is!!!
Definition: "Faith is a wide opening of our spiritual eyes". It is a switching on of the spiritual lights. It is related to the phases of healing of our inner human spirit: transcend (time and space), liberate, awaken and regenerate.
According to scripture: faith is not a possession of all persons, and God grants it after a favourable response to a hearing of the unabridged gospel (Rom 10:16,17).
Faith permits ordinary people (fallen sinners) to see (discern) things from another time, place or realm which cannot be seen (discerned or understood) by the religious, physical, natural, carnal or temporal man (1 Cor 2:14-15).