Cultural differences?

Little something I've been wondering since last autumn. As in my opinion it is bit odd that I seem to had more "cultural clashes" in my relationship with Finns than I've had with A. and M. There are few possible "explanations":

1. Our upbringing has been bit different than majority of Finns.
2. I'm not "Finnish" by personality.
3. There is no such thing as cultural differences.
4. "Cultural differences" are in fact differences in
   4.1. religion (I've had more problems with Christians than I have had with Buddhist and pagan) and
   4.2. native languages (leads to different interpretations).

And before anyone wants to burn me, I'll explain a bit.

1. My childhood family was non-religious, pro-reading, pro-thinking and more or less equal when it came to treating according to sex (so, even I'm female I had quite free atmosphere to be non-girly (even it seems that my mom worried about my non-girliness. And it was a problem for my brother.).
   This seemed to be problem to majority. Because I wasn't just cute show-around girlfriend nor nice, silent wife-type. I had no obsession to be "feminine" nor degraded because of my sex. I never have wanted to look less intelligent than I am just because I'm female (or because it was problem to some men to have woman who's more intelligent than they were).
2. Well, it's old joke between Sonnenschein and me that our nationalities are mixed, and he should have Finnish passport and I should have Spanish. He's practical iceberg and I'm drama queen.
3. Come and burn me.
4. :
   4.1. I've dated only Christians in past and there were always clashes because of religion. I was able to accept that my partner was Christian, but they were unable to accept that I was not and that I weren't willing to become one.
   My ex wasn't fortunately Christian (ok, he was member of Evanchelic Lutheran Church, but only because he apparently weren't informed how easy it's part from a congregation according to our legislation - he signed off after we got married.), A. was Buddhist (born as Hindu) and M. is non-religious (raised in non-religious family). And there has been no religion based clashes. I can't help wondering that. (No, I've nothing against anyone's religion as long as my religious views (or lack of them) are respected.)

   4.2. Only clear difference between us (Sonnenschein and me) seems to be in our ways to use language. If M.'s native language is X and mine Y, and we both communicate with language Z which isn't native to either of us it's in a way obvious.
   Now someone could say that culture causes those differences, but is there culture without language? -> Language creates culture and therefore cultural differences are language based.

I think that was mostly all about that matter today.