...sometimes say (when that's the convenient let's-all-get-along language) that they're merely answers to "how should I live?".
When you dig deeper, often such believers sure speak and act as if there are real facts about the universe that religion has revealed to them that recommend one way of living of living over another. These ways of living aren't arbitrary. If you're just looking for a lifestyle that suits how you feel about things, one that gives you a social group that you like, or myths that appeal to you as myths, you don't need religion for that. Any religion chosen like a style of clothing isn't much of a religion.
As for the analogy being about "a correct and easily verifiable answer", that part of the analogy is only hypothetical, to get across that idea that just because an answer is currently beyond your reach, it isn't necessarily a thing that can be whatever you want or need it to be, even when verification remains out of reach.