cv5,
You concerns are ALL valid. You're way smarter than the average bear. But here's the thing about intelligence: Intelligence doesn't mean to come to the right conclusions. It only means to can come up with fancier rationalizations for your right and wrong conclusions!
I think you're being a little bit cowardly on this one. How many times in the Bible are we warned not to be fearful? It's all over the place. It think you're allowing your fear to rob you (and your God, family, neighborhood, nation, etc) of the blessings of a child.
For God hath not given us the spirit of fear; but of power, and of love, and of a sound mind.