I'm also late to this discussion and i only want to address your loading the bike issues.
"I thought about it - but I have to put my bike in the back of my car and I have a problem taking my wheel off and putting it back on. The brakes always get out of alignment. I know it's because I'm kind of new to riding and I'm doing something wrong."
Please consider going to your bike shop for a bit of maintenance and possibly ask them to help you practice. the fact that your brakes move so easily is cause for concern and needs to be corrected.
The quick release should not be so difficult for you to release. The bike shop should release it and properly tighten it for you. When the lever is pressed down to engage it, it should only leave a light impression on your hand. that way it should be fairly easy to undo. It could be that you need a different type (the bike shop should let you try several different types) or possibly the hinge needs to be lubricated (don't do this yourself unless you know exactly what to do).
Also, If you brakes are getting out of alignment when you pack your bike, then the brakes are not properly tightened onto the frame. The shop should tighten them and then show you how to check this and also how to straighten the brakes if they do get out of alignment.
Finally, you may already know this, but always remember to pack your bike with the crankset up, so as not to mess up the derailliers.

