Your post boils down to an inability to confront the problem of evil, basically, which is understandable, but it's no good to abandon it for that.
>To me, it all seems far too convenient to be logical, and all too comforting to be truth.
With respect, I have never heard of someone abandoning a belief or an idea because it seemed too correct.
>I've come to understand that this world is cruel, and it simply doesn't make sense to me why that would be the case with a loving, caring God at the helm.
That same loving, caring God promises us nothing but a hard fight in this life, which is, as Holy Job says, "warfare". That same, loving, caring God told us to take up our crosses and follow Him. He didn't promise that we would be happy in this life, only in the next.
Suffering is our crucible. It is purgative and absolutely necessary for us, and is a ready means for us to use to atone for our sins by offering up that suffering to join it to the Cross of the Lord as St Paul encourages us to do.
This isn't aimed at you, but as other posters ITT have stated, the level of catechism in the West is utterly abysmal, and seems to have fostered some belief that God's love means that suffering should be over and done with, and that love is good and painless rather than a cleansing fire, as it is described in Scripture.
>It simply doesn't make sense for everyone to suffer due to the sins of our ancestors.
Honest question - what are you doing about that?
It's all very well to sit back and sigh about all the trouble in the world, but what are you doing about it?
The other point about this is that we are crabs in a bucket, all suffering for the sins of one another. In a world that just does not love (and often actually hates) God, why do we deserve His help? We don't want it and claim we don't need it, so this "Why would God allow this to happen?" smacks of hypocrisy.
We are all the prodigal son, and the decision to go back to Him is up to us.