Society I agree with you - none of the answers have told you diddly squat.
You may have heard this on thought for the Day. My view is necessarily Roman Catholic - Salvation comes from faith and good works, and one is not sufficient.
The reformed religions (Anglican and so on) argue incessantly about whether faith is enough - and faith and praying sort of go together. This argument has been around so long that it even goes by a Latin tag - sola fide (by faith alone) that is salvation by faith alone.
so having said that:
try :
http://en.wikipedia.org/wiki/Salvation
and then: for a light dessert course try:
http://en.wikipedia.org/wiki/Arminian_controversy
Archbishop Laud in the 1640s (here) was suspected of being an Arminian heretic so it worth ploughing through it.
and good luck !