Struggling with Wudu and Salah

Salam everyone, For years, I’ve had a really hard time keeping up with my prayers. Some days I manage three out of five, sometimes just one, and other times I end up making them all up at night. I truly want to build a steady habit of praying on time. The main obstacle for me is wudu. I keep making excuses like “the water’s too cold,” “I don’t want to dampen my hair,” or “I just applied moisturizer.” So I’m wondering, is it ever permissible to pray without wudu temporarily, just until I get used to standing up for prayer whenever I hear the adhan? The thought of going through wudu makes me delay and procrastinate. If anyone has advice, or if you’ve struggled with this too, how do you handle it? I know wudu only takes a few minutes and is simple, but it’s genuinely my biggest challenge.