Bike skills classes are great and will give you lots of confidence for future riding, especially in groups.

As an addendum to another message I wrote earlier, I did fall once with my clipless pedals, but it was not on the road, it was at one of those bike skills sessions with our coach. We were training at doing figure-8s and picking up our water bottle from the ground (while sitting on our saddle, yes, it is possible, although I have succeeded only once). Doing a figure-8 at the fabulous speed of about 2 km/h I made an uncontrolled move with my handlebars and boom on the pavement I went. Plain parking lot asphalt, not concrete, though. A little scratch on my knee (under my tights, which were unharmed... strange), but no bruised pride since I was nor the first nor the last person to fall that day. (That pick-up-the-bottle exercise is a killer.)

There was another time I fell a lot, but that was... a crashing workshop. (How to make an emergency exit from your bike.)

This being said, do take your time and do what feels best, but be aware that toe-clips are much worst than clip-in pedals, in my humble opinion. As for frogs, they're great for those with knee problems, but significantly less convenient than SPDs because of the protruding cleat. I am not sure if I would call them beginner pedals.

Tell me: I might have missed the discussion where you talked about this, but what are your goals regarding cycling? Do you want to do touring? Just ride around? Long distance?