I participate in full ritual for all 8 sabbats and all of the full moons. We cast circle, call quarters, etc etc for all of those
I generally don't cast circle for spellcrafting, meditation, prayer, etc. unless it is a major (for me) working and I feel I need the extra comfort or power of a cast circle.
There are a ton of ways to incorporate spirituality into everyday life... morning or evening devotionals, mealtime prayers, mindfulness, meditation, grounging-centering-shielding, etc.
A couple of good books about creating a spiritual practice in your life are The Circle Within by Dianne Sylvan and The Heart of Wicca by Ellen Cannon Reed.