I am in a similar situation than you: I have been flying my trainer for the past little while also, and I have been building a 4*Star 60 that will be my second plane. It will have a Saito .91, and all I have left to do is covering it... which considering I have been building it for over 3 years (two moves, a baby and a graduate degree in progress...) I should finish it some time by the end of 2010

My plan? Continue to fly the heck out of my trainer and fly the 4* as soon as I am done. Worrying about crashing your plane is akin to having a race car that you are afraid to race. Get out and have fun.