I dig it!
That's about how I live my life. There's nothing wrong with speculation of any sort, as long as it is plausible in some reality (the mind, physical, spiritual). When a person closes their mind off to certain possibilities, they may be excluding the truth. When there's no concrete way to prove what is the truth, what difference does it make? Might as well accept all possibilities and speculations for the time.
This is why I'll often speak about the spirit of a trip, or divine beings, while other times I may just chock it all up to being a product of my own mind. I have no way of knowing either way most of the time.
Often, I'll use one concept in order to speak about this thing because it is the easiest to convey an idea. We all agree here that the words don't exist to explain some things, so if some words get close, I find it's best to use them.
So yes, it seems the best way to proceed, to me. I've always had a hard time with religions that say one must not question God. Well, if there is a god that created me, I think he'd be proud that I used my brain to its fullest to discover what I can on the issue. Conversely, I've always had a problem with atheism, as it seems as silly to concretely say no, there is no God, as it is to take the existence of God on blind faith.
So I'm ardently agnostic, which I believe falls in line with "speculative, but cautiously restrained."
Be an adult only when necessary.