I think 'surrendering' starts with the mind instead of the body. Some think it's only about giving up their worldly possessions. But then again, surrendering in one's mind is not easy. It takes tested time spent under the tutelage of the Guru, who patiently and compassionately whittle away our negative habituated mind, making it pliable to be re molded into a positive one. The very fact that we are still here, having to fight with our desires like insecurities, laziness, selfishness, greed, lust, jealousy, anger, hatred, excessive wanton, etc is proof that we are still trapped in our own prison.
So where and how to begin? Start looking for a qualified Guru, observe him before taking refuge. Does that mean after taking refuge we don't ask but blindly follow? Yes, if our faith is very strong after following and learning from the Guru. Should we ask questions? Yes, if we truly don't know but ask to learn. No, if we have been given logical explanation and have agreed but still not doing or applying. Then it becomes a challenge.
High Lamas may test their students by asking them to give up, say, their house, car, wealth, family, etc. How and what the students answer would help the Lamas to further assist them. In some cases, the lamas may actually put into action what they asked from their students.
Yes, we must start today because tomorrow may not come.