Without much explanation, perhaps it can be extracted from what was posted so far:
How about merely varying the Curse according to the belief? For the way to vary it there are certainly quite some options. Without many Faction Points at all, the Curse could be at a minimum (like Newbies wouldnt have such a hard time), while chars with kinda equally shared Factions on all the gods may have the worst Curse (and as in meaningless questing, or say atheism). For chars with Factions for one certain god mainly, minimize the Curse to some degree. Variations of the Curse can be percentages of levels decreased over more or less time.
Atheists may even have levels decreased irrevocably (with the chance to level up again as usual though).
However, the main issue and problem I see is, to determine the individual belief. But maybe Faction Points can be of use here.
I am not sure though if the game's current state allows such a tough feature at this time.
Mechanically determining praying or worshipping time I think is quite useless, people would just run to the altar, hit a shorty once a day and move on doing whatever. That's nothing to do with roleplaying belief, but appears to me as just another point to "PL".
PS:
[..]but as much as a handful want to cram settings down peoples throats... and demand that they stay within settings[..]
I think if everyone would play the game PlaneShift the way it is meant to be, there was no need to "cram settings down peoples throat". To put it to an extreme: If anyone wants to play a GI using his M16, I am going to remark there are setting or will ignore the person. If anyone is coming around and claims to be the King of Yliakum, I might likely do the same. Of course there has to be some tolerance, but at the end PS has a Setting to be respected. You play the game, so play it in accordance with it.