No matter what any of the grammar teachers say, punctuation is an arbitrary matter. It should be used to make sentences clear.
We're all torn between the desire for privacy and the fear of loneliness.
I've learned... that we should be glad God doesn't give us everything we ask for.
... all of us talk faster than we listen.
I've learned... That to ignore the facts does not change the facts.
Democrats believe people are basically good but must be saved from themselves by the government. Republicans believe people are basically bad but they'll be okay if they're left alone.