Ooooh, now you're asking, CrunchyFrog.... 
Is my experience unusual? Well, yes and no. I've been lucky to have the opportunity to go back to university a second time and thrash out all these Bible-related questions as an adult - not many people get to do that, for sure.
But the reason I did it was because I was asking the questions I hear Christian friends ask all the time - the Bible is big and complex, and needs careful thought. And, as I've said, often gets abused by being used as the means of propping up prejudice, hatred etc. So it was an itch that I wanted to scratch.
From a church POV, my experience is v. much the norm, if such a thing exists in the multicultural UK. I grew up C of E and am v. glad still to be C of E. I worship in a nice little village church with no loony fringe to speak of
(they're down the road)
(No, only kidding!) 
As for 'intercessory' people - I think, tbh, I'd say it comes down to 'no man is an island.' To live in any way we need intercessors of many kinds. My GP is a medical intercessor, the woman behind the counter in the corner shop is a retail intercessor. To many, Dawkin is an intercessor of a scientific and religious type. We live in community, and we all have gifts to bring to our communities. Religion is no different in that sense than anything else.
So that's me...but your questions, why are all humans not equally capable of believing? Well that's a good one. Hmm....Christians might well disagree on this, so I'm just speaking for myself here....but I'd say that most people I know who have come to Christian faith as adults have done so because of Christians. It's not that they've had some great 'lightbulb moment', it's more that they've been around Christians for a bit, seen what the Christian way is about, and got drawn into it. It's the lived experience of Christianity that makes the truth of Christianity visible in the world, I think. Does that make sense to you?
So it's not that some are more 'capable of belief' than others, maybe it's that, because Christianity is a relationship of trust, it has to be experienced to be truly known - and the experience of befriending and knowing Christians is probably a lot of the time what makes trust in God possible. Those are my tentative thoughts....what do you think?