As I understand it, in the average Dharmic use deities are (as they should always be IMO) little more than a figure of language to personify, underscore and represent certain ideals and virtues. It is not nearly so much a matter of whether people believe or negate them as of whether they feel like using them to teach, learn or practice their Dharmas...
I guess it comes down to what one feels to be most significant in defining religion. It would be a shame if belief in deities were eventually perceived as the core attribute, though.
I put these two parts of your post together because they relate plus it makes it easier for me to respond.
Generally speaking, the vast majority of those both here and in the east that posit deities do indeed believe these are lesser gods, but at least the more learned that have read at least some of the sutras tend to feel that their effect is negligible. On top of that, they are impermanent and ever-changing and subject to both birth and death.
Now, there can be quite a difference in a lay approach whereas it's quite common for some to have pray to them in general, hoping for better fortune. HHDL has commented on this, along with the fact that some tend to identify more with a personal deity, as being pretty much harmless.
So, as for your last sentence above, I think Buddhists whom have studied dharma would completely agree, as do I. I use dharma a great deal, but I pretty much strip away what I believe are more "religious" attachments. If you have ever read "Buddhism Without Beliefs" by Steven Batchelor, he pretty much states my general drift. However, I do not call myself a "Buddhist".