Rockpie, I agree. I think when we create meaning, for ourselves, we shoulder responsibility for ourselves, that much better. To me there is a part of everyone that searches for meaning or more specifically, unity with the world around them. People may perceive the world around them in different ways, from differing perspectives but be it in a religious following, a social structure or maybe even a mystic's "religious" experience (personal/subjective/experiential) they are always connected with this. We stand, from the outsiders point of view, as one mass but we stand from the insiders point of view very much as individuals, I guess it's all about balancing these things.
With the creation of our own meaning I see it as akin to a person learning something and in so doing, creating their own inspiration for the topic rather than being force fed reasoning via a teacher. The former nearly always seems to provide more in-depth understanding.
One of the things that strikes me with organised religion, since you mentioned your Christian experiences at the start and how this connects with the "meaning of life", is that to me, if a religion's goal was to unite people, they just plain misuse objective rules. In trying to connect people (many simply see this as a desire for control but looking at it from a positive aspect...) they don't seem to be acknowledging our subjective nature. You talked of differing meanings and how people may clash but also connect, this links in with it, I think when someone sees their own viewpoint or stance for what it is, they become that much more tolerant and also sympathetic to the plight of others. In my own experience I feel more connected with people when I become content with the idea of so many differing views and paths as something which IS, rather than something which should be changed/discouraged. Variety is the spice of life because each situation is filled with new possibilities to learn, as opposed to an endless supply of possibilities to have to challenge and throw in the bin.
When there is this objective rule, out there, everyone grasps at it, throws it in the face of others, elevates it, misuses and twists it because it seems to give the impression that we as individuals have this benchmark to strive for and we are pitting ourselves against each other. Contrast this with introspection, tending ones own garden, looking within for answers that have meaning, first and foremost (and maybe ONLY) for ourselves. Having said all that of course, there is clearly a lot to be said for objectivity, I just think a little introspection and appreciation of what the "results" might yield goes a long way. Just a few thoughts anyway, I liked the jigsaw analogy too, there a few other topics linking in with that on here.
EDIT: The site fought me tooth and nail to get this posted, choice words may or may not have been exchanged and this post might appear more than once, apologies in advance