I'll pay closer attention next playthrough but I don't expect to change my mind. The whole conversation about fate is very shallow and artificial, lacking any serious consequences for the people discussing it.
Koth's line strikes me as a particularly egregious offender because, if the viewer takes it seriously, it raises all kinds of questions that are never acknowledged or answered. (Living proof that all he needs is faith? How and when did his faith make the difference between life and death? What is the object of his faith? Why does he trust his life with it? Does he realize that faith fails people other than him? How does he reconcile the reliability of his faith with the unreliability of others' faith? Etc.) My complaint is not that Koth refers to his faith. It's that he has no real feelings or thoughts about it. He's just spouting literary cliches. The writer behind Koth's dialogue was more interested in regurgitating popular philosophy than developing Koth's character.