Hi Jennifer, I think you can sow seeds right away. With a tall/steep hugel you want to sow them immediately and mulch so that the seeds can knit the soil together before the hugel falls apart in a heavy rain.
For what it sounds like you're doing, the erosion is less of an issue but seeds can still go in immediately. The nitrogen sucking of the twigs is likely only an issue within a millimeter of the twigs (if at all) so I wouldn't worry about it.
You may do just fine by skipping the peat by the way. I hear it's not that renewable a resource.
And you're not dumb at all. Simon just hit you with some
permaculture jargon that we all eventually learn.
Chop and drop is when you hack down undesirable plants and use them to mulch your desired plants. Nitrogen fixer is a plant that makes nitrogen and puts it into the soil, especially when it's chopped or killed. Legumes and clovers are common nitrogen fixers but there are many.
So I believe Simon's suggesting that you plant something like clover, alfalfa, peas or other nitrogen fixers and then hack them down once they get some decent growth on them and mulch the bed with them. If you have a long
enough season that you could do that prior to planting your garden, it's an option. If it would consume your whole growing season, I'd likely just plant my veggies and take it from there.
Good luck and we're here for you :)