Hi JChrisjohn ,

I've been involved in this sport for almost 10 years but since it's been over 4 years since I flew, I consider myself a beginner.
Allow me to pass along one bit of wisdom my instructor gave to me; "There are only 2 types of RC pilots. Those that have crashed and those that are going to crash." It's part of the hobby. If crashing really bothers you, you may want to consider another pasttime. Best thing is to say goodbye to that pretty bird just prior to the maiden flight.
I know what you mean about the distances involved to get to a club. My club is almost 50 miles away and with today's fuel prices that can start to run into money. If you can arrange it, a few flights with an instructor you are comfortable with can really help get you over that initial learning curve. Don't let one negative experience overcome the fact that most of the people involved in RC airplanes are truly some of the finest and more than willing to help a beginner learn the basics.
If you are determined to teach yourself, I think the simulators can really help.

Best of luck

Rufcut