Laugh laugh laugh!
I spend a considerable amount of time reading threads at work. It's just not practical to pull out the guitar and start working out chord progressions. My colleagues would have something to say about "outside core activities" for sure! But to recall lyrics often doesn't require the same brain power.
Chords to some songs are posted on OLGA and its various mirror sites, although it's mainly for pop songs - not so much trad folk on it.
Keep asking, Rob!