Right just to pick up on what Simon and others are saying. When God did used to appear to people in the Old Testatament, even that was not enough for them, they still worshipped false gods, they still went around killing people and generally being a bad bunch. God spoke through righteous men such as Abraham and Moses, often appearing to them or talking directly to them, many miracles were performed for the people's benefit but they still chose sin, so what makes you think that if God were to come from out of the sky today that we would all suddenly start believing in him? It hasn't worked in the past.
God did all of this in the Old Testament to try to bring his people back to him, he was not afraid of showing himself to them. He led the Israelites out of slavery when they asked him to. But when he saw that his people were choosing temptation and sin over him he sent his son down to deliver his message in person, to die so that we might be redeemed. This was God's last resort, now he last left us alone for a while but will return again at the end of days.
As for natural disasters, yes they occur, but they are not God's wrath, they are simply and purely natural disasters that happen to everyone, good and bad, just as the sun shines on you whether you are a Christian or a Pagan. Adam and Eve chose to live in this imperfect world when they left the garden of Eden, they chose sin over God and so had to leave the paradise God had created for them and survive on their own. Yes God can interfere for us, how many times have you heard people relate a close call story and say that their guardian angel must have been watching them? God does have plans for each and every one of us, but we can choose whether or not to go along with them.
This answers Simon's question of why we personally need a God. In my experience I was brought up a Catholic but my faith wavered. I was offered a chance to live in Scotland for a year doing missionary work (aid stuff) and I really wanted to go, I prayed very hard that I might be accepted but I was turned down. I hated God for that, but two months later I was offered a place at a residential adult college down south studying for a legal diploma, I reluctantly accepted. There I studied for a year, made many friends, including two from Preston. I left there and went to Aberdeen University only to be put off by the anti-Englishness, so I spent a few miserable months back home wondering what to do and blaming God again for my lack of progress. I happened to get an interview at the university in Preston, knowing my few friends I had made from there, I decided to take the plunge and move here, even though I had no job and just enough money for 2 months rent. Again I prayed long and hard as it was such a risk to take, I had not even been accepted at the university. As it happened I didn't get accepted straight away, they wanted me to do a year in the college first. During my college interview I mentioned I was looking for work and I was directed towards a job vacancy. Again, I didn't get it but I impressed the interviewers so when a different vacancy came up they offered it to me, 2 weeks before I ran out of money.
Through my two friends I made a lot more friends and met my now husband. I had plans to move to London after University but settled down with him. We married, went backpacking for a while and had big ideas to move to Europe, but I fell pregnant after praying to God to show me which way to go with my life. I went ballistic, this was not the answer I was looking for! But two years on she is a dream and the best thing that has happened to us. So I do believe that God has gently guided me all my life, he has still given me choices all along, even when I fell pregnant I still had a choice. But by praying about it, the decisions I have made have been the right ones for me, even though I might not have seen it at the time.
As for homosexuals, I found an interesting quote in the Bible from Jesus himself (Matthew 19:12) "For there are different reasons why men cannot marry: some, because they were born that way; others, because men made them that way; and others do not marry for the sake of the Kingdom of Heaven. Let him who can accept this teaching do so." Jesus was NOT a homophobe, nor should any Christian be.
And for those who keep pouting on about organised religions, why use that as an excuse not to be religious? If you don't want to belong to an organised religion you don't have to be, Jesus never said you did, there are no particular rules and regulations he wants you to follow, if you read what he preaches it is all common sense and very wise, we would all live together in a lot more harmony if people followed what is written in the Bible.