I do solo overnight biking trips with organized rides most summers and enjoy exploring new countryside and meeting people with like interest. On some rides I'm blessed to have my dh or ds ride with me. I like having a route planned and marked (with sag support) each day. I always feel safe -even tenting - which I enjoy after I get the tent up. There are not many bicyclist in this area and not many roads to bike on so new territory is an adventure. My hubby is a farmer so during our cycling season he is mostly too busy to cycle.
A few years ago I did a week self-supported camping tour by myself. I did a lot of planning with option B's for backup. My dh picked me up and we went on together to ride the beautiful Minnesota bike trails. Yes I would go solo touring and enjoy the trip but enjoy and worry less with a companion along.
My dh and I have biked the transamerica across US self-supported, so I learned a lot about camping from my hubby. Bear country camping is a hassle and would not want to do that alone.
If you are thinking about overnight bike rides definitely do it with friends first to see how you enjoy it. Credit card touring is very easy if you plan and have the funds for the expense.