So accounts payable and receivable are operations because that has to do with the “operations” of the business, either revenues or bills to be paid

Correct

Where notes payable and such are actual loans

Correct, and would be on the Financing activities because you are receiving "financing".

So if I were making my cash flows for my life, my electricity bill monthly would be accounts payable, but my car loan would be notes payable?

That is one way to put it, so yes.

And that would go in investing since a car is property/plant/equipment, but interest on the car is an operating outflow, am I understanding this all?

In the year of purchase, the car would be under Investing, because you are "investing" in your own business by purchasing an asset with a future use.

The interest on the car loan would be under Operations, because you are paying for the interest accumulated throughout that year of your "operations".

In the year of borrowing, the Notes Payable would be under Financing, because you are receiving "financing" via a loan to purchase a vehicle.

Each activity would be identified separately.