RE: Wings under the fuselage?
Actually, I have several friends that are airline pilots. They have 25 and 30 thousand hours of flight time logged. And some had a great deal of difficulty learning to fly models. Sometimes thier experience flying real planes just didn't seem to translate to flying the models . Sometimes it did.
And the RC cars may give you a little experience with opperating a vehicle from the third person perspective, but mess up just once with a plane and it is gone, as in toothpicks.
High wing trainers give you the most stable and "forgiving" configuration for training. A good airplane and an experienced instructor will give you the best chance of success and a more enjoyable experience.
Once you are in this hobby, you will likely fly hundreds of planes throughout your lifetime. There is no rush to fly a low wing plane. You will have plenty of time for that later.