Okay Tom...
Well you've got to decide what happens next. Does she come down there after him? Since one line says "She knows where to find me", this seems like a logical scenario. This would make the song uplifting in the end, so you've got to decide if this is how you want the song to travel.
If you don't have some sort of resolution planned, then two verses are enough. Don't think you gotta have three...
Or you could write a short bridge. Give you a structure like ABABCB (verse/chorus/verse/chorus/bridge/chorus) A bridge would be a great place to have her walk into the bar.
Once you decide where you want the song to go, you'll be fine. If it ain't going any further, I'd leave it at two verses - stick in an instrumental break after the second chorus and come back to the chorus when it's over. If you're looking for a possible resolution, I'd highly recommend a bridge as the way to go.
hobes
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