This shows your lack of understanding of God. Rom 8:9 says that the Spirit of God (whom Jesus calls a person in John 16:13) dwells within us. 1 Cor 6:9 says that we are His Temple in which His Spirit resides. John 14:16-17 says that the Spirit of God (the same Holy Spirit) will be both with us and in us.
No, the Spirit is a "He". You are trying to reduce Him to a thing, that you can then disregard. But the Spirit is most certainly both deity and a recognizable person (although not physical).
This again shows you lack of understanding of God. We do indeed have God living within us when we are born again. This is clear, as you say, to any third grader. I just baptized my 9 year old daughter into Christ this past Sunday, and before I baptized her she explained to me how, when she received baptism, the Spirit of God would take up residence in her heart, make her a new creation, and wash all her sins away. It is very clear in Scripture.