I was listening to a fascinating lecture on Therapeutic Apologetics by Dr. John Coe at Biola. The summary of the lecture is people either believe in something because of reason or emotions. This is my summary and does not do the philosophical, theological, or psychological explanations of Dr. Coe justice. He did not call them emotional baggage, although that is what I would call them, he called them causes.
People either have reasons or cause for the belief or unbelief in any particular thing. Most often it is a cause and not a reason. This is true for most people on most things. You can tell if someone holds a belief based on a cause and not reason by their avoidance or unwillingness to freely examine alternative explanations.
Here are a few definitions he gave. Wrap you mind around this!
Reasons for belief/disbelief
"(Q) is a reason for person (S) to belief that (P), when (Q) freely moves (S) mind to assent (P) and not based on prior psychological causes."
Causes of belief/disbelief
"When explanation for person (S) to believing (P) is due to some prior psychological experience resulting in desires and passions that then move the mind to assent, without reason or contrary to reason."
“Dispositional knowledge is suppressed knowledge that when given proper stimulus (S) will become consciously aware of (P).”
Reason gives us freedom and causes leave us in bondage to our psychological hang ups.
I would have said reason and emotion and not reason and causes are foundations of our belief or disbelief. Or I think you could say rational or irrational. Maybe that makes it to simplistic. This is one of those topics where you sort of understand the concept from a basic understanding but once you start digging into the complexities it seems to get deep fast.