I don't speak for others, but although I don't believe in god or an afterlife, I also don't really actively think about it. There are some big potential pitfalls to disbelief, and just as the religious must have faith in their god, an atheist like myself has to have some faith in mankind that even without some outside force compelling an ethical life, that mankind will generally ascribe to a societal morality even without pressure. I don't steal, kill, hurt others, or do other things that most would agree are wrong. Why, it's not because of god, it's not because of government, it's because of values I was brought up with. It's because I have but one life and would like to be proud of how I lived it.
Most of us, religious or atheist don't actively think about their ethical nature continuously. You don't steal a specific jacket you see hung up at a restaurant because you think of Jesus, but because you have a morality that that was honed by your upbringing and social pressures, of which the church certainly is a factor. But if you came to a falling out with your church, or even became an atheist, my guess is you still wouldn't steal that jacket.
As far as how I spend my time, I'm not actively thinking about getting all my living done at this very second because I could be worm food tomorrow. I like thinking about this subject, so I discuss it. Right now, I'm waiting for the dryer to finish so I can put on my bike shorts and go for a ride. And if you recall, this thread did not start with an atheist challenging the views of the religious (although it could have, everyone is guilty) it began with an fundamentalist challenging the atheists.