@eb424 Eddie having both read and participated in this thread I just want to say this.
Theory is not a bunch of rules, it’s an after-the-fact description of what musicians do. I applaud your willingness to learn new stuff when you need to. I have the feeling you are taking a slow route through the weeds; nonetheless, continue to do what works for you, because if you try to do something that doesn’t work, then you’ll just be frustrated.
To play songs in a pub, and maybe add a few little flourishes here and there, you only need to know the melody of the song, and what key you are in. You will try to add some things that don’t work, so use your ear and judgement and soon you’ll learn what does work. You don’t need to worry about the chords at all, but try to choose notes that sound good.
If you want to play an extended improvised solo, then knowing the chords might be helpful, but “knowing the chords” really means “understanding the harmonic structure of the song”. This is why one guy calls a chord Amin7 and the other guy calls it C6. Those two chords have the same notes, which tells YOU, the improviser, what notes might sound best. But the bass player gets to settle the argument - if he plays a C, it’s a C6 and if she plays an A, it’s a Amin7. In reality, you as the melodic improviser might not care which is which, but the harmonic structure certainly changes depending on whether it’s a C or A.
The preceding paragraph is why people think theory is complicated. So let the chords suggest which notes will sound good (and maybe which will sound bad) and just use your ear. Keep the melody in mind…
Good luck with your 20 songs, I hope by this time next year it gets to 40