Everyone's covered the whole fear thing, and that's kind of something I'm working on too! Being very new to all of this myself, the best advice I can give you is to buy a really good pair of bike shorts with a chamois - at least if you plan to ride for more than 5 miles at a time. I think buying mine early on may have been what kept me from giving up altogether and I still love them. The right gear really does make all of the difference.