Hi Dan, and welcome to the addiction!
I think the first thing that I would recommend is that you spend some time reading through the great articles in the "View From The Beach
" forum section. There are some really great write-ups there that will answer a lot of the questions you've posed, plus answers to a lot of questions that you didn't know you needed to ask yet.
Since your primary question in this thread is about lure choice, start with this article: The 2x2 Matrix, A Simplified Approach To Choosing Your Arsenal