most of the people I saw at eurovision were dark haired womens :-P

ANd I think it just depends on what you are trying to do. Sometimes you might just get an idea for a song, and lyrics will come ouring out. Then you have to find some suitable music for it :-P
There is NOTHING wrong with 3-chord songs. They are what makes the world go round :-P

Also, sometimes you may find a lovely chord progression that you love, and you will be inspired to write some lyrics to match!

Either way, a good suggestion is to mess around with different chord progressons regularly. You will find patterns and things easily that way.