Abby, you can theorise away, it's fine by me. But it's true to say that there is NO biblical evidence for Purgatory. In fact, neither the OT nor the NT really goes into any depth about what happens after you die. Although it is thought that once Jesus died, the gates of Heaven were opened - so where did you go until then?
Purgatory is thought of as a resting place.
Hell was mentioned by Jesus in the NT, I think it's Matthew where he mentions the wailing and gnashing of teeth and of people being in hell and looking up to see Abraham and Moses in the bosom of God. Although some people believe that the fiery furnace he describes related to a rubbish pit outside the city that smouldered
They even think that Hell is the core of the earth because of all the descriptions of hell being down, underground and in a fiery pit.
Heaven is always being described as a place that is above the clouds - upwards.
But logically, since only the best people can get into Heaven and only the very bad into Hell, then it is assumed there is another place where ordinary souls are in repose.
Neither did it say in the Bible that you could pray for dead souls. In fact praying for dead souls is largely a new phenomenon - it simply wasn't thought of in Jesus' time and certainly Jesus himself never mentioned praying for, or to, the dead.