there are so many questions smashed together here. so lets start from the beginning: creating a private key.
to create a new private key you have to choose a random number between 1 and N (which is a little smaller than 2^256 but lets skip that for now) you can't choose any arbitrary size bytes like 99 bytes, it needs to be close to the final size which is 32 bytes otherwise you'll have to reduce it and it can create bias (which 99 bytes would).
now that you have chosen that number, it means you have also chosen a corresponding point (x and y coordinates) on the secp256ik1 curve which is called your public key and can be shared freely. it is computed by performing Elliptic curve point multiplication (
https://en.wikipedia.org/wiki/Elliptic_curve_point_multiplication).
address is derived from the public key by performing a ripemd160 hash.
Blockchain does not verify addresses, so if we mistake it for the right address, we will lose our money.
to understand that you have to first understand how bitcoin works.
when someone sends bitcoin they are basically creating a "lock" that can be "unlocked" by providing an "unlocking mechanism" like a key that can only unlock that "lock".
some of these "locks" have a certain standard pattern that we have defined a human readable form for them. for example if the pattern is OP_DUP OP_HASH160 <160-bit hash> OP_EQUALVERIFY OP_CHECKSIG we use the version 0 bitcoin address for it.
but this locking mechanism could simply be OP_DUP OP_HASH256 <256-bit hash> OP_EQUALVERIFY OP_CHECKSIG where we don't have any human readable form (aka address) defined for it but it does the exact same thing.
keeping that in mind, the answer to your question is one of the common addresses known as P2PKH and a new address that is also common P2WPKH are using the HASH160 of public key which is RIPEMD160 of SHA256 of public key.
but there are some other addresses that are more complicated than that. for example P2SH addresses that are HASH160 of a script that may or may not contain a public key. they also are defining a "locking mechanism".