I sincerely thank you back for your open minded response. I always hope to meet someone who welcomes debate. At least, philosophy is known as a branch which thrives from it resp. officially invites debate and being challenged as something positive or just normal within its own discipline.

To become more certain in what you answered, you agreed upon the delivered notion by me that philosophy is a part within the framework of religious order, is that correct or incorrect? Because I am not quite sure what is meant by you when you say that

... when religion (Christian) took philosophy over and the split came between academic exegesis of texts and practical lived philosophy.

In my view philosophy was not taken over by religion. Religion was there first, from my point of view (imagining the very ancient peoples worshipping nature in the form of gods and ff), as well as philosophers were there in co-existence, as a natural consequence of the respective religious beliefs and its orders. You have, let's say, the Ten Commandments, and then you have people who talk about them and interpret them. Or, you have Genesis and as a result, human beings try to make sense of it. Those, who were and are particularly good at making sense or asking surprising/challenging questions became known philosophers (or, were censored). I hope, I delivered my set of mind adequately.

In the professional departments of the religious institutions becoming theologians are being taught to debate - for me, this is an essential part of becoming a philosopher.

It leaves me irritated since I don't know what you might mean by "practical lived philosophy". A philosophy becomes commonly (practically) lived if it is understood by everyone, which is religion still, as it is more common (in practice anyway). Since I don't know myself a unified philosophy but many schools and streams of philosophy.

For the sake of the matter, let's take this example: when someone died, I say "May he rest in peace." This phrase is known by everyone because of the practice to say it out loud over and over and over throughout time.
I think that is the result of priests saying so and the congregation said so, who were the people and who are therefore "common knowledge", hence practiced religion. Or maybe the people said so and then the priests started saying so. But on some end the practice took over to a very large scale.
Words which come immediately to the mind of everyone in the Western and Eastern realm without having to think, is what I mean.

So often I find myself reading some philosophy and end up using it in my day to day life and reasoning even if that philosophy was not intended for any practical and pragmatic use.

I am open to examples you can give to me. Are these specific terms or phrases, or do you talk about a certain method of logic or interviewing? Can you be a bit more specific in terms of examples from your daily life? I myself think of the example of dialogue as a method to be in touch with another human being. In the Buddhist teachings it is mentioned, for example, that between the master and his disciple the master answers in secular terms when his student asks a metaphysical question and if he asks an everyday question he answers in metaphysical terms.

Master, please hand me the knife," and he hands them the knife, blade first. "Please give me the other end," he says. And the master replies, "What would you do with the other end?" This is answering an everyday matter in terms of the metaphysical.

Source: https://www.goodreads.com/quotes/25026-here-s-an-example-someone-says-master-please-hand-me-the