Ok.... So, I figured it out!!!
It turns out, the accounts (in the accounts table) I used for the regular eqemulator hosted public server, they either already had a loginserver account ID for them, or somehow one was randomly generated... but it was a huge number... something like 3687367 and the table loginserveraccounts created an account with the same name / pw... like I had been using on the public eqemu hosted server, but it created a new loginserver ID number that was a single digit and counting (such as 4). These didn't match, thus where I was getting that duplicate error....
Still don't know what's going on with the last error I got when creating a new character (in the post above)... so if someone wouldn't mind helping me out with that i'd appreciate it.
Hopefully this helps anyone else who gets stuck like myself!!