When you die, the soul does not take away from you. How could it? It is you. You have all your memories, your personality, your emotions.
the soul is not the physical form of the mind, that can be damaged. Your soul can't be killed, impaired, or altered in any way. So even if someone has cognitive difficulties, they still have a soul, whether they understand it or not.
These two statements are contradictory to what we already know about the mind. personality and emotions have been proven to be dependant on physical structures in the brain, alter the structures and you alter the personality. There are numerous documented cases of severe and sudden damage to the brains frontal lobes resulting in drastic changes in a persons personality and general mood and affect, to the point where they are considered by family to be practically a completely different person with their loved ones memories and body.
The implications of this are
A. What happened to the soul in these scenarios? The soul is made up of their memories, personality and emotions and you claim it is unable to be "killed, impaired, or altered in any way". Yet clearly 2 of the 3 attributes have been at least drastically altered, probably impaired and possibly killed (depending on your perspective and definitions of the terms in this context). Does the soul of the "previous" personality go to heaven and a new one form for the "new" brain damaged person or is the same soul there, effectively 'killing' the old personality?
B. If localised damage to the brain can make such a drastic change tot he souls attributes then surely damage to the entire brain (i.e. like what occurs at death) will be catastrophic to the soul even if it does escape. Brain death is not instantaneous, therefore there will be a period however brief where 40%, 60% and 99% of the brain is dead but the soul is still "there" because of the remaining living bit, what happens to the soul? Clearly the personality and emotions would be different (if their brain were actually capable of implementing them into anything we could detect) and likely memories would be lost at this level of damage so what happens to the soul? By the time the soul escape due to complete brain death there would be nothing left to take away.
The reason us "religions" as you put it cannot describe the soul accurately is because, maybe, just maybe, we don't understand it fully ourselves, hrm? I dunno, just my take on it. For all I know there could be someone who understands it. Though there are a lot of people out there who could probably do a better job than I'm doing.
This is just ludicrous really, you and all other religions claim to KNOW you have and everyone else has a soul and you KNOW what happens to it after we die. Yet when asked what it is and in what sense it is us no one has any good definite idea. This is all while there is absolutely NO evidence for its existence and results in it being a completely unscientific claim because it is unfalsifiable because no one knows enough about what it is to make a prediction. The simpler and more obvious explanation is, there is no soul - that's why no one can actually say what it is.
Besides if no one can tell me in what sense the soul is 'me' then its hard to take claims that my soul will roast for eternity in hell if I do/don't do X. If the explanation doesn't make me consider the soul as part of 'me' as a thinking being then I care about as much about being told it will be tortured in hell as I would being told my little finger will be tortured in hell - my reaction would be "so?"
And, if there really is no soul, then we are wasting our time. Then there is no life beyond this one. All our efforts are in vain, and there is no more hope than for an animal. This is something I refuse to believe, not because I'm "living in denial" but because it is the only thing that makes sense of why us humans are the way we are. I'm not just an animal. I'm human, a race unto myself. If there is no soul, than why bother living at all? Life... love... hope... where does it come from? And where does it go? To use a line from my favorite video game, Final Fantasy 6, anyway, lol.
This is classic wishfull thinking. You have 2 possible explanations:
A. There is a soul
B. There isn't a soul
By your own admission you are denying one option (B) simply because you don't like the implications (that we are just very very very smart animals that have a finite lifespan with no objective meaning to our existence). I'm sorry but you are in denial, in denial about what it is to be a human - a very smart animal species but still just an animal species - and in denial about your own denial (lol, that sounds weird

)
As for why bother living at all? Why not? Have you got something better to do? Death isn't all that fun, it isn't anything. Why do you NEED meaning given to your life? I would much prefer to (and do) given meaning to it myself rather than be
told what to do. Just because there is no objective meaning to our lives does not mean we can't give it subjective meaning.