Hi @Tony_Bryan!
Apologies for this confusion with setting up Auth 
Your desired outcome is what everyone on Retool should be able to achieve. Let me double check on the JWT situation, if you have an External app set up for External users, that should be something that can be done on the Business Plan per our docs. Will get back to you with more info!
Enterprise would include SSO and make things much easier to set up and an easy click to auth in and be done flow working for app editors and app users.