I think it is the Bible that says we are dirt. We are material, and we are mostly water. These are things that can be shown to be true. Unlike the dirt claim. And similarly with regards to thoughts; science has shown that thoughts are electrical stimuli.You already believe you are material, dirt and mostly water.
Your thoughts are electrical stimuli.
What other 'mystery' there be is no mystery for you, it's just material arranged in a certain configuration, with temporary stimuli animation.
Pretty simple really.
If you truly believe something substantially different, state so.
Otherwise live with the above, it's all you got by your own definition of life, the universe, and everything.
However, it is extremely complex, so there is still mystery. It is not "just" material arranged in a certain configuration, it is material arranged in a certain and extremely configuration. Not simple at all.
I am happy to live with that, because that is what the evidence points to. If you want to believe you have a soul based on nothing more than you really want it to be true, that is your choice.