But, in your calculations, wherein you came up with your 16,000 km figure, did you assume that the Moon was just making Apollo 11 slow down, or did you assume that the Moon would be pulling Apollo 11 along on the Moon's orbital trajectory?
For purposes of illustration it is possible to
approximate a lunar mission as two
patched conics, i.e., an ordinary 2-body orbit around the earth connected to one around the moon. But that's only a rough approximation, and what actually happens is much messier. During critical periods the spacecraft is significantly affected by
both the earth and the moon and that means solving the
three-body problem, made famous by the fact that several brilliant mathematicians looked for but failed to find any general analytic solutions, unlike the 2-body problem that does have such solutions.
That meant a solution was not practical until the modern digital computer could carry out a numerical integration of the basic equations of motion: add up all the forces; divide by mass to get acceleration; integrate acceleration to get velocity; integrate velocity to get position; wash, rinse & repeat from the new position.
Without rooms of IBM mainframes calculating trajectories, Apollo simply could not have happened.
I could do those same problems now on my laptop, and so can you. Get an orbital simulator program like ORBITER and play with it. Give it an Apollo trajectory. See what actually happened after each major burn: TLI, LOI, TEI. Tweak some of the parameters and see what they do. You'll learn far more about what actually happens than by waving your hands and winging it as you are currently trying to do. But you may have to let go of some of your intuitive notions.