Is atheism a bad choice?
Solution 1:
1% bonus experience might not seem like much - and it isn't - but there is one particular benefit it has over every other benefit - namely, there are very few ways to get bonus experience.
The other buffs can be earned by, say, visiting the shrine of Mitharu for +5% health / mana, or Vraekor for 6% bonus fire damage / resistance.
But there is no "No God" shrine (it's a bit of an oxymoron, isn't it?), so the only way to get that bonus experience is to be an atheist.
Choosing to follow no god gives a minor (but tangible!) benefit for those min-maxers who want to race to the max level as soon as humanly possible.
Solution 2:
Having now completed the game, I can say that choosing to worship no god does not seem to have a story effect or any other benefit besides the explicitly listed experience bonus.
Solution 3:
If you are doing a speed playthrough, the "no god" option is phenom. It also stacks on top of other EXP bonuses obtained throughout the game. If you are a completion then this is the most horrific option statistically. As a completionist you will max level (without the 1% bonus) well before the very end. Essentially, the most important level is 36 so don't even consider the level 40 that important. Level 36 will allow you the highest tier destiny (or class). Because of this, you will get to max level (as a completionist and without the 1% exp bonus) about 60% to maybe 70% through the game.
Again, if you are doing a speed run then that would mean it is highly likely you will not get to level 36 even by the end game thus consider the 1% exp bonus a free 3 or 4 levels at the beginning of the game (i.e. you will need the least amount of exp to achieve those levels) and maybe more.
Edit:
Because someone decided to question my math skills I will post some logic:
Let us say that you are trying to just get the top tier destiny (i.e. Class). That takes exactly 1351000 exp. 1% of that is 13510 exp. You require 14000 in order to get to level 6. That is practically the first 5 levels of your character.
Edit: (again)
Per GameFaq member raffydturtle The following are the leveling charts:
1: 500 2: 1600 3: 3300 4: 6000 5: 9500 6: 14000 7: 19700 8: 26600 9: 34900 10: 44600 11: 55900 12: 68800 13: 83500 14: 100000 15: 118500 16: 139000 17: 161500 18: 186000 19: 213500 20: 244000 21: 277500 22: 314000 23: 354500 24: 399000 25: 447500 26: 500000 27: 557500 28: 620000 29: 687500 30: 760000 31: 839500 32: 926000 33: 1019500 34: 1120000 35: 1230500 36: 1351000 37: 1481500 38: 1162200 39: 1777500 40: 1948000
Solution 4:
I know nothing of the other classes but my atheism went from lvl 1 to lvl 2 through the completion of a quest now i get plus 3% exp and 5% gold. from it alone. I'm sure others get theirs but i dont agree that this is a bad choice for anyone. because even when you're capped you still get the plus 5%gold..unless it extends again i'll post again if it does.