To live a surrendered life is to be present moment to moment with our experience, to accept our experience without judging it. Or if we judge it, to forgive ourselves for defending, for pushing away. To be with our experience does not mean that we do not space out, detach, disappear emotionally. It means that we become increasingly aware of when we dissociate and gently bring ourselves back. This "bringing ourselves back" is the essence of meditation. To meditate, it is not necessary to stop thinking. But it is necessary to become aware of the thoughts as they happen, to see how they take us out of the silence. To see how they prevent us from being wholly present.
Every moment in life is a prayer, or could be. I think you can pray yourself into the mystery of the moment, or allow for the blessings of the moment to sustain you. Every moment is an invitation, and whatever you do in that moment, if it's dedicated to God, then it is a prayer.