You are thinking selfishly, here.
You already believe God, so there is no penalty.
What if you were an unregenerated scientist, studying fossils, or strata?
The literal account of Creation, followed by the Great Flood would make your whole life much simpler, easier, if you heard it, and believed.
But if some Disciple, trying to sound sage, told you that it wasn't necessarily literal, you would be condemned to wander in darkness, unable to grasp the story being told by the Earth.
Faith is the evidence of things not seen. My faith isn't evidence to me, that won't hold up in any court. My faith is evidence to others, of the action of the invisible God, in me.
Jn 3:8
8 The wind bloweth where it listeth, and thou hearest the sound thereof, but canst not tell whence it cometh, and whither it goeth:so is every one that is born of the Spirit.
My faith in the Word of God, to be taken liteally, unless otherwise told by it, is evidence to those to whom I am a witness.