Big warm welcome to Susan's Sadephanie
Well you are here now and at a place where you can be amongst like minded folks that have been where you have been... I think the biggest fear of many of us is the points you have raised, but to be honest starting young will bring a better outcome than starting older in life, like me... However everyone has insecurities of one type or another, so don't sweat it, just set youself goals and strive forward for them.
Welcome and look forward to seeing you about the forum's....
L Katy