Nope, that's not what I'm saying. I'm saying that one can be instinctual and create music, even using tools like a chord VST, which BTW, is little different from the thousands of different chord books for guitarists that have sold since the beginning of time. One does not need to know how to construct those chords in order to learn the fingerings and play them in time.
One can write songs without even knowing chords. I've played with singer/songwriters who would just start singing a melody and had absolutely no idea what notes they were singing or what chords would harmonize with their melody. The band would just play along, details to be worked as the process progressed. I would argue that a significant number of rock bands write this way.
How much theory and when you learn it is completely a function of one's goals. Learning theory has a value, and an opportunity cost. You have to decide whether one trumps the other.