To my own mind, even if a writer doesn't want to go to the trouble of carefully working out a theological system, he should at least be good at faking it: I've once or twice complained about the stripped-down religious systems in some Evangelical fantasy works; I suspect the religions in such novels look so basic and dull because Evangelicals, as a rule don't appreciate that long-lived religions accumulate ornamentation. If an author doesn't want to bother building his religion from the ground up, he should at least know how to thrown in the ornaments; you can hide a lot of vagueness behind a fog of incense. Of course, this is a bad idea when the religion is front and center rather than part of the background decoration.
But I do not see anyone in this discussion making much mention of pantheism (where everything is god), henotheism (where you acknowledge all gods but worship one), or, for that matter, atheism.
Now that I think about it, I can't off-hand think of any examples of henotheism in fantasy fiction except Orson Scott Card's Hart's Hope