I typically do not appreciate music at all. While there are rare exceptions, music typically leaves me aesthetically cold or annoys me (though there may be a non-aesthetic emotional impact, say of creepy music during a scary part of a movie). This inability to appreciate music is a kind of disability, one that I hope will be gone in heaven (plus the music there will be better), since music seems an important part of the human good of aesthetic appreciation.
I suspect that how I typically feel about music is how many (though not all) non-religious people feel about religion: while it may be good for others, it's just not something one finds oneself getting anything out of. But I think there is a crucial disanalogy. For it is uncontroversial that to be properly benefited by receptive aesthetic goods, like those proper to listening to music or contemplating a painting, one needs to experience them with appreciation. One gets nothing from musical goods without listening to the music, and mere listening gets one nothing of the aesthetic good if one doesn't appreciate. (Though experiencing the art without appreciation can lead to later development of appreciation, and an analogous claim can be true of religious practice.) But according to many of the great religions, many of the goods of participation—say, innate transformations of the soul, the intrinsic value of praising God, etc.—can occur in the absence of experiential appreciation.
There is also another disanalogy. Participating in religious goods isn't exactly analogous to experiencing works of art. Rather, it is analogous both to experiencing and to creating them. And creating works of art is an aesthetic good that perhaps does not require appreciation of the works of art that one is creating. One could have a sculptor who manages to express her artistic vision in incredible ways, but who incorrectly experiences herself as producing junk. The artist need not understand her work.