Eu moro em, no, na?

This is it, @davidcowling949. The “na” already shows you that there’s a definite article there, it’s just contracted with "em’. And yeah, for the most part, you’ll have to listen for clues in other people’s conversations, if you don’t know in advance whether or not to use the definite article. If in doubt, feel free to stick to “em” until you figure out what people usually say.

“O Porto” and “os Estados Unidos” can both be explained away by the common noun rule. Other exceptions are harder to make sense of. I do like your way of managing this! I can see it working well a lot of the time.

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