No snideness intended. You said this: "No, generally people just realize that either is exactly what we'd expect from a Godless, indifferent universe."
So, I assumed that such a statement implied a knowledge of what a godless universe looked like. To know this, one must have an idea of what is missing. To turn it back to me struck me as a way of avoiding an answer. My apologies if my reply was offensive.
To answer your question would take many very lengthy paragraphs. In short: God gave His creatures freewill - as such, the presence of freewill brings with it the potential for suffering, because human beings are free to choose evil instead of good. To stop humans from exercising their free choice would be to deny freewill. Now, if we assume that God is all-benevolent and morally perfect (as the Bible describes Him), then we must assume He has a valid reason for making the world in the way He has; that is not meant to justify the fact that good people suffer - it merely explains that the existence of suffering does not negate the existence of God. For God to prohibit the exercise of men's freewill would ultimately be to limit free thought (since thought precedes action); God won't do that - He desires His creatures to be free. Prayer is not "all about" just getting things we want - it is about communication with God and the development of a relationship with Him. It is His prerogative (as an all-knowing, all-powerful Being) to answer prayers in a number of ways - one of those ways being "no."
Only if God is merely an exaggerated version of a human being. He's not. If He is all-loving, all-powerful, all-knowing as He is described, then we must assume that He has good reasons for the way He allows what He allows. Just like children who don't always understand the complexities of the adult world that influences adults to make the decisions they do, God's decisions are far beyond what we - with our limited perspectives - are sometimes able to understand. We see only now - God sees the entire picture.
It is tragedy; it is suffering. Saying that it exists and that God has reasons for allowing it to exist is not "rationalizing" it so much as framing it in a way that suggests that there is a reason for its existence.
Two good reasons exist: 1) God sacrificed His own Son - Jesus Christ - to redeem all of humanity from the consequences of sin - Christ who was sinless paid the price for the sin of all humanity; as such, God freely has given us Grace, and we all may have eternal life if we choose; 2) God's kindness and compassion shows up in the people of this world who choose to serve Him by trying to alleviate suffering wherever they can.
In a godless universe, there is no need for good to exist at all.

