Panpsychism... really? We're going to reject God as an explanation, because the physical universe is all there is, and then say that the universe is conscious? Seriously? That's not an explanation, that's a "just so" story. In fact, it's a very short step from there to pantheism (everything is God).

And in fact, God (the theistic version) would explain this perfectly. Drop your materialistic assumptions for a moment, and hear me out. If God exists, as a being with consciousness and personality, and if he created humans "in his own image", then we are not faced with the Hard Problem of Consciousness. Humans can then be truly conscious, and have true personality, without those things being just a configuration of atoms.

The pantheistic version of God doesn't work as well, because it's ultimately impersonal (despite the "theistic" part of the word). There's no way in pantheism for personality to be anything more than an illusion, which ironically is the same problem that materialism has with consciousness.