"...But it can neither be proved nor disproved, at least not until we get to have that chat with God."
But it is not a 50/50 chance of it being either way. The error that I am seeing in a lot of ideas here is that the dichotomy is being given equal weight of likelihood on both sides.
At some point you have to attribute likelihood of truth to both sides and go with the one that is most likely. If not you will not advance any further in knowledge.
We advance more when we dismiss the idea of a god and go with what we know to be true through experimentation and observation.
Certainly, we seem to advance along nicely without the need to attribute god to things known or unknown...