the fundamental laws of physics as humans understand them.
That is where the fundamental disagreement is IMO. I consider it a bigger leap of faith to believe a higher power is behind it all.
Either explanation is mind-boggling though.
As a agnostic, I dont "believe" in anything. I have reasonable assumptions (i.g. Laws of physics) and a set of opinions that are open to change and readjustment as my assumptions change.
I don't have the answers to those questions, only theories and possibilities. If you have faith in something then you must justify and prove it. I cant thus I'm agnostic. Can you without using circular logic?
Science will never explain how matter and energy first appeared out of nothing. The only thing science will tell you is it's not possible. It was a supernatural event.