If I were an Atheist

[Esquilax]

We have solid evidence a personal agent is directly responsible for lightening or hurricanes.

See, you say that... but don't think for a moment we haven't noticed the complete lack of that evidence in your post. Assertions aren't evidence, Drew.

The belief the universe doesn't require a creator is an opinion based on the belief it doesn't require a Creator.

Why would you even bother to say something so circular? You could have said nothing at all and this sentiment would still be clear.

What hypothesis or model do you propose that explains how matter came into existence and then caused a universe with laws of nature?

Someone still doesn't know how the burden of proof works, do they? You made the positive claim of a creator, you prove it. The fact that all you do is make wild assertions and then demand that there's evidence for them is reason enough to dismiss that until you come up with better evidence than none at all. And since we live in a universe where all of the available evidence and observations we have are of naturally occurring phenomena happening without need for an intelligent agent, your seeking to insert one directly contradicts those observations and falls afoul of Occam's Razor. Ultimately we don't yet know how matter came into existence, but we don't have to have an alternative solution to know that yours is woefully lacking in justification.