IF YOU TAKE ANOTHER'S CLOAK AS A PLEDGE, YOU MUST GIVE IT BACK BEFORE SUNSET-- IT'S ALL THE COVERING HE HAS.
'You must love the Lord your God with all your heart, soul & mind; & your neighbor as yourself.'
Priorities? Look around you: who's in need? Anything you can do to help? Put it first.
Prayer's priority is not speaking to God, but listening, then answering. Even prayers of petition & intercession should tune God in to get his sense of the situation, then request accordingly.