You sound like a smart girl. My sense is that you can probably develop your own plan as well as purchasing a "canned" training plan. I'm not an expert on either of these, but there is also some "tweaking" you can do in the training peaks software (so you might have the same challenges). However, maybe you won't second-guess a plan you get from another source.
The next step, of course, would be an online coaching commitment like CTS. Typically you'll find minimal personalization to a plan like that, but you will have a bit of interaction/accountability with a coach.
Or, consider just hiring a local coach. There are some fabulous coaches in your area. You can start with a minimal commitment with most coaches (6 months) and see if you like it.
ps -- unless USAC has changed the curriculum since I became licensed, you won't learn anything about training plan design in the club coach materials (ie level 3). They cover a bit more in the expert (level 3) and really dive in at the elite (level 1).



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