We should ask God for help in overcoming temptation and not be afraid to give specific problematic situations (1 Cor. 10:13). If you are battling with something personally, go to God about it. If a situation has developed in the congregation that has the potential to create problems, pray about it in public.
Does all of this require more thought? Sure. That’s what makes it meaningful. The truth is that generic prayers reflect a generic relationship with a generic God. If we truly seek a personal relationship with a personal God, this will be reflected in the personal character of our prayers.