Thanks for all of your replies! You guys are the best.

My husband warns me that I should prepare myself to wreck. I just got to a point that I am NOT covered in bruises after a ride and I really don't wan't to start that again. I hate to fall. I know he not trying to discourage me, but it has made me think twice. He seems to think that my biggest problem will be getting in to the clips.

Thanks again for all of your info and support! It really help me make an informed decision!