I'm kind of partial to the Midwest Aero-Star 40, partially because I have one, but also because they get great reviews from everyone who flies them. See the reviews of the ARF version on this site:
http://www.rcuniverse.com/reviews.ph...ew&reviewid=70
I did the kit version as I wanted some kit building experience and it was a pleasure to build.
Having just gone through the instructor experience, I HIGHLY recommend it. I have a 100 acre farm and live about 40 minutes from the closest club. But, driving to the club, the instructor was took my plane off, then gave me control and saved my bottom when I was on the verge of losing it! Landed on the second lesson and can now solo fine. It was a pleasure and the two instructors I worked with taught me some things I wouldn't have learned solo. Also, it was much more fun getting to watch everyone else fly in between flights, see other planes, and dream of my next plane, and the next.....
Lastly, for computer experience, if $ is a factor, you can buy FMS and a cable to go to your TX on eBay for under $20 and its perfect for a beginner to get a feel for flying. That's what I did and my instructor commented that I was WAY ahead of the game.
If there are two clubs close by I would say you'd be crazy to try to learn without help. It costs nothing, except maybe a lunch out of appreciation, and is a great social experience, too.
Just my 2 cents,

Heath