Wow, what great responses!!!!!!! Thank you so much to all of you.

OK, so as I'm continuing to assimilate all this information, here are a couple questions for clarification --

1. Do all road clipless systems come with non-recessed cleats, or do some of them have recessed cleats? In other words, to get the recessed cleats (which would seem to be good since I have a habit of riding my bike to Starbucks) do I have to get a mountain bike system?

2. Is it totally impossible or highly damaging to walk on the non-recessed cleats, or just a huge nuisance?

3. Everyone is saying to allow room in the shoes for foot swell, and I've noticed on the other boards that a lot of folks with clipless systems seem to have sore big toes . But how much room is the right amount? Should they feel totally loose all around, or just a bit too long, or too long and too wide?