. . . you hear Snow Patrol's "Chasing Cars" on the radio (and it seems to be on constantly), and you listen to "If I lie here / If I just lay here," and, instead of being moved by it, you think this:
No, you're still in present tense, so "lay" should be "lie." "Lay" is the past tense of "lie" or an entirely different verb altogether. Get with the program!