The "as I understood" part is important to me because it means I was allowed to believe in what I believe in and not necessarily what others chose to believe in. So the door is wide open to all beliefs. How great does our understand have to be? Simple as you like and are comfortable with. My understanding was extremely basis to begin with and still is very simple today. And if you have conventional organized religious beliefs it also works beautifully.
And we are just making the decision to do this. We work on it every day.
Keep it simple!