I disagree that atheists necessarily look to utility. I do not consider myself an atheist, but I am sometimes called one, because I do not base my behavior on expectations of reward or punishment.
I have a family for reasons that have nothing to do with religion. I love my family and other people for reasons that have nothing to do with religion.
I look to religion not for motivation, but for the council of thousands of years of experience. Loving and being good are not simple.
Oh, I never said they all did; that was one of several options.
I don't see why anyone would label you as an atheist on that basis. I'm a Christian but I don't believe that works will affect my final destination one bit. Now, if you have expressed a disbelief in God, I can see where that would get you the atheist label.