Let me help you out Dan, you said "It's unsettling which is why I posit the question to this forum." you are absolutely right the "free" will you've been hearing about your life doesn't exist nor it ever did exist, the reason you posted this question on this forum is because you were waiting for someone to tell you that you are right. I've been thinking about same thing for last few years and came to conclusion that we make very few choices in our life, people think every day they have a choice, but they don't and not only that, but when you finally do make a "choice" it's predetermined by your environment.

The values of human were decided long before human was ever "created" and if you are wondering when you roll a dice, is it random? I like to look at this way, it's undeterministic till the point dice stops rolling, but you think to yourself did person throw it random speed? or when he was a kid watched television show, watched person roll a dice and it was set rooted in his memory on how to throw that dice? or was it thrown harder because he ate 10 minutes before rolling a dice? and did he choose to eat 10 minutes before throwing dice because next to casino was fresh baked bread that made his neurons thirsty for sugar? was that fresh baked bread baked at random point? or was it all planed long before player came into casino?

You have to understand one thing no matter what you think you can do it will be done by someone, if you kill yourself tomorrow, someone will fulfill your spot and finish where you started. What do I mean by that? think of it this way, universe doesn't care if '3' or '6' will be on a dice, he cares about who throws it, what happens after it has been thrown, who picks up dice, the reason for throwing dice.