OK, FO, here's the deal, straight shooting, no !#$%#$ USC prejudice from me.

It's time to get the rubber to the road, or get the @#$ get off the pot, so to speak. The people have spoken (and I agree). Stop agonizing, make a decision to take the amateur radio test (btw, I challenge you not to say 'ham' for the next 4 posts) and get a #$@#$ amateur radio. If you have the funds, the Kenwood handheld radio that WW mentioned is the most versatile for the money. With that, you can always get an antenna (and adapter) for the car or house that has more 'gain' (better transmission/reception) to use while you figure out what this is all about.
After that, it will be community that decides how much you will do with this resource. I confess, I was like you (eww!) wondering what the heck I would talk about... Until my neighbors at the time got me to volunteer for com support for a local air show. AIR SHOW??? Boy, howdy, I had more fun than I can EVER say. AND FROM THERE, I met a bunch of people (including Toolman - if you're single you might just step up your interest), most all of which are still my VERY good friends today and I feel privileged to be THEIR friends - 'ham' radio is an interest that involves one of the most eclectic group of folks of any hobby that I can think of. I say that in a GOOD way.
So, step up, bite the bullet. Take the test (if a Bruin can pass, can't you?

) and get the Kenwood hand-held, or whatever you like from WW's pics. See what it's like. If you don't like it, then friggin' sell the unit on eBay and you won't be too much money behind. Like most things, it is what YOU make of it.
Gauntlet down (in a good way),
Kerin