@Render,
I think I see what you're getting at, and I agree with you. Being caught up in constantly analyzing life in a 'philosophical' way can be kind of a waste of energy. But I don't know if philosophy is only the tendency to over-intellectualise even if it often is that.
You will find that in martial arts training, if you have any experience with that, you are trained to react very quickly and to act from you 'vital center' which is not in your thinking brain, but in the center of your abdomen. Zen Buddhist training also teaches you to go beyond or outside of discursive thinking (that is, thinking that is like an inner dialog).
That explains why Zen artwork and calligraphy is usually spontaneously composed and executed very quickly.
Jazz improvisation draws in similar types of skills.
Is that the kind of thing you have in mind?