Kiddush at Shul

ImageSeems to be that if you don’t have motzi (bread) at “lunch” at Shul on Shabbos, you need to have at a home meal because your meal at Shul doesn’t constitute as kiddush lunch. Also, if you have no bread at Shul, you have to make kiddush (hagafen) at home, even if you heard at Shul. OPINIONS PLEASE? Should I make this my practice? Another issue that might come up is that if one doesn’t wash for motzi at Shul are they eating before kiddush, therefore breaking halacha? I’d like to know what is the established opinion. And not one that has a minhag seemingly breaking halacha as sometimes happens (or using one halachic principal to supersede another).