Foreign aka (in an individual personal case) German/German-Jewish surnames ending in "-er", such as "Heller", "Faerber", a married woman bearing such a non-Polish name, might be called "Pani HellerOWA", "FaerberOWA" etc....
It used to mean "the wife of Mr Heller", regardless of her real surname. And "Hellerówna" - "the daughter of Mr Heller", especially when she is not yet married.
The thing you are writing about from the beginning refers only to the surnames ending with "-ski". Maybe some others as well. Let's say Kowalski. When a woman marries a Kowalski, she will be called Kowalska (unless she decides to stay with her original surname or take a double surname, but the tradition is that the wife takes the husband's surname). But this is exactly the same surname as Kowalski. Just in a different grammatical form. Look at it as at an adjective - because it behaves like an adjective. "Ten mężczyzna jest bardzo ciekawski", but "ta kobieta jest bardzo ciekawska". In the same way it works with surnames. And - it seems, that it works so with all the surnames looking like adjectives.
"Kowalski" and "Kowalska" are exactly the same surname, just in different grammatical forms. Which is sometimes not understood in the countries where in their main languages the adjectives don't change their form depending on the noun gender, and then in the credits of an American movie you can see female names with surnames ending with "-ski". And this looks just wrong. Although I have heard that Polish people living abroad sometimes decide to do so to avoid difficulties with public administration. But it's wrong and I really don't like that.
If, even in Poland, a woman marries a man called, say, Jan Adams, she will be still called Adams. Adams looks in Polish like a noun, not like an adjective. And there is many such surnames in Poland, I would even say most of them work like that. Even the most popular one - Nowak.
When she marries Jan Adamski, then she will be Adamska. Adamski looks like an adjective (even though it's a noun, like each name) and is declined like an adjective. A woman just cannot be called Adamski, she must be called Adamska. And the second most popular one (Kowalski) works in this way, although I would say there is less of them.
If a man is called Kowalski - his wife will be Kowalska. Jan (jaki?) Kowalski
If a man is called Kowal - his wife will be also called Kowal. Jan (kto?) Kowal
What is also interesting. A noun-type name being a male noun (e.g. Nowak or Kowal) is subjected to the declination in case of a man, but not in case of a woman.
M. Jan Nowak
D. Jana Nowaka
C. Janu Nowakowi
B. Jana Nowaka
N. z Janem Nowakiem
Msc. o Janie Nowaku
W. Janie Nowaku!
but:
M. Anna Nowak
D. Anny Nowak
C. Annie Nowak
B. Annę Nowak
N. z Anną Nowak
Msc. o Annie Nowak
W. Anno Nowak!
In case of women only the surnames being female nouns, and, of couse, those of the "-ski" type, will be declined.
In case of men - surnames are declined always. If the surname is a female noun - then it's declined like a feminine noun. After a masculine first name.
M. Jan Pluta
D. Jana Pluty
C. Janu Plucie
B. Jana Plutę
N. z Janem Plutą
Msc. o Janie Plucie
W. Janie Pluto! (about this one I have some doubts, but theoretically it should be so)
The exception was in the surnames of the nobility - the coat of arms names weren't declined, but now it's allowed to decline them as well.
So the old version is:
M. Janusz Korwin-Mikke
D. Janusza Korwin-Mikkego
C. Januszowi Korwin-Mikkemu
B. Janusza Korwin-Mikkego
N. z Januszem Korwin-Mikkem
Msc. o Januszu Korwin-Mikkem
W. Januszu Korwin-Mikke!
There is no much nouns in Polish that end with "e", so their declination is a bit awkward and people tend to avoid it, often leaving the name of this guy undeclined (or decline only the Korwin part, leving Mikke undeclined), but it's an error.
This version is now also allowed:
M. Janusz Korwin-Mikke
D. Janusza Korwina-Mikkego
C. Januszowi Korwinowi-Mikkemu
B. Janusza Korwina-Mikkego
N. z Januszem Korwinem-Mikkem
Msc. o Januszu Korwinie-Mikkem
W. Januszu Korwinie-Mikke!
Apart from surnames, to the nouns ending with "e" belong also geographical names. But the geographical names can end with "e" and look like adjectives. Like the town name Zakopane. What do we do then? IThe declination looks as follows:
M. Zakopane
D. Zakopanego
C. Zakopanemu
B. Zakopane
N. w Zakopanem
Msc. o Zakopanem
W. Zakopane!
The difference between the declination of a noun ending with "e" and of an adjective is only in the Narzędnik and Miejscownik cases - for nouns there is "e" in the suffix, for adjective there is "y" in the suffix.
And still all these refers only to those nouns ending with "e", which really cannot be declined in any different way, I mean, you cannot change the stem of the word. For example Zaosie declines normally:
M. Zaosie
D. Zaosia
C. Zaosiu
B. Zaosie
N. w Zaosiu
Msc. o Zaosiu
W. Zaosiu!
Or some of them behave like a plural noun:
M. Bratoszewice
D. Bratoszewic
C. Bratoszewicom
B. Bratoszewice
N. w Bratoszewicach
Msc. o Bratoszewicach
W. Bratoszewice!