I was in college before Vatican 2 ended, so I was exposed to a goodly number of novenas and indulgenced practices. "Even as a youth it seems to be to be a very mechanistic approach to the spiritual life.
I also can remember how entirely put off Catholics were by the phrase “a personal relationship with Jesus”. Whether it was the phrase itself, or the fervor with which it was delivered by Protestants, I don’t know. However, I suspect both, because many of those same Catholics seemed awfully focused on the ritualist requirements of obtaining any specific indulgence. Some things for which there are indulgences:
Raising the mind to God with humble trust while performing one’s duties and bearing life’s difficulties, and adding, at least mentally, some pious invocation.
Devoting oneself or one’s goods compassionately in a spirit of faith to the service of one’s brothers and sisters in need.
Freely abstaining in a spirit of penance from something licit and pleasant.
Freely giving open witness to one’s faith before others in particular circumstances of everyday life.
Piously reading or listening to Sacred Scripture for at least half an hour.
Adoration of Jesus in the Eucharist for at least half an hour.
The pious exercise of the Stations of the Cross .
Recitation of the Rosary or the Akathist in a church or oratory, or in a family, a religious community, an association of the faithful and, in general, when several people come together for an honorable purpose.
Receiving, even by radio or television, the blessing given by the Pope Urbi et Orbi (to the city of Rome and to the world) or that which a bishop is authorized to give three times a year to the faithful of his diocese.
Taking part devoutly in the celebration of a day devoted on a world level to a particular religious purpose. Under this heading come the annual celebrations such as the World Day of Prayer for Vocations, and occasional celebrations such as World Youth Day.
Taking part for at least three full days in a spiritual retreat.
Taking part in some functions during the Week of Prayer for Christian Unity including its conclusion.
Some of these I do, not because there is an indulgence, but because it is part of my spirituality. I really don’t concern myself with whether or not there is an indulgence attached.
And others I don’t do, not because there is an indulgence attached, but because it is not part of my spirituality.