How are you, Mainecat?
I agree that snap-swivels should be used for lures that'll twist line, & just a snap (no swivel) should be used for everything else. But rather than base the size of the snap on the size of your line or lure, at this point I think you should base the size on what's easiest for you to operate. The larger sizes do tend to be somewhat easier to operate than the smaller ones, so I'd say go with snaps a little larger than the line or lure sizes call for. You don't want to use a giant snap, of course, but the smallest one you can handle comfortably. After all, fishing's supposed to be fun, & it's always more fun when the equipment's easier to use. Yes, it's going to affect lure action, & yes, sometimes the lure might tangle with the line now & then during a cast. But if snaps are how you can keep fishing, then I'm all for them, Mainecat. We want to keep you out there chasing those bass.
Also, because you find it hard to tie the hook directly to the line, you may want to consider buying the pre-snelled hooks, which come with a leader complete with a loop. That way, when you fish with live bait, you can get the hooks on & off the rod just as easily as a lure.
Tight lines to you, sir.
If I'm not fishing, I'm thinking about it.
Keep the line fresh, the hooks sharp, and have fun fishing. God bless you. -Sonny, Life Member since 2002