In answer to your last statement, "What do you suggest?" TALENT! All the lessons, fancy runs and technical skills you have learned won't help you unless you have that God given ear to play a melody on a keyboard without music in front of you, and equally important, to be able to hear harmony in your head. With the aforementioned, it is just a matter of doing it. I started out picking melodies out on the piano when I was seven years old. I had no lessons and by the time I was eight, I was winning first place in local talent shows - a precocious kid, is what I was. Later on, I learned to read music, which was difficult for me, for I found it boring to sit and play mediocre simple things. I wanted to close the book and play by ear. Rich harmonies, few ever learn. By listening to great artists over the years and in this case, practice, I have been able to do pretty well with advanced harmony. At a very early age, (5 or 6 years) I was very interested in not only a beautiful melody but also the way the piece was arranged. It no doubt played a major part in my ability to arrange later on. People who know me give me a lot of compliments on my arrangements. Not long ago, a professional organist heard some of my arrangements and playing skill and said, " Being a professional musician, how are you able to arrange music so well the way you do?" I thought to myself, how strange this person asks this question. He is a musician and why can't he do this. Anyway, if you can play the melody of a song (one finger) without sheet music, there is hope for you. It comes down to the way you approach this matter. Good luck.