Lots of questions here, maybe this tidbit will help:
The "Peer allowed IPs" setting in the interface goes in the server config file /boot/config/wireguard/wg0.conf. It is rare to need to edit this field, the main reason is for lan to lan connections as described here:
The "Peer type of access" dropdown affects the values of "AllowedIPs" that is sent to clients. this is a convenience setting only, as the client can change it to whatever they want.
If you haven't seen the WireGuard quickstart guide yet, it has a lot of good info: