Having people in real life do variations of 'believing in gods would be ridiculous -- but let me tell you about astrology" (which happens in every possible direction, as far as I can tell) always sends me immediately to head-desk land. But like you say, one avoids actually *saying* anything.

Oddly enough, I have more tolerance for straight-up animism, mostly because I find it more interesting and charming. Little shrines in every room to local spirits are just a flavor I like better than one all-whatever. :P