Take what I say with a grain of salt, I've only been in tri for two years, so I'm no expert!
What I would suggest is that you give open water swimming a try. I know you say you are comfortable in it (did you swim competitively?) but in a race situation, it's really different. I am comfortable in open water and if you dropped me out in the middle of a lake all by myself, very far from shore, I would be fine with it. Put me in a race, in a wetsuit, with 1000 of my closest 'friends' and it's a very, very different story. I had a panic attack the first time and still sometimes struggle with remaining calm for the start of races.
So my first advice would be to NOT make your first race experience swim the big race. If you do pick one for next fall (and yes, I think you can be at a half-distance by then...maybe even full depending on how strong of a swimmer you are), choose a shorter tri with an open water swim earlier in the season to see how you do. You may be fine, some are. You may find that with a little more exposure, you'll be ok (this was my case), or you may find that OW race swimming is not for you. Better to get it out of the way in a short race, close to home where there isn't a big financial investment.



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