I use PSE4 because I saw so many people here were using it. It was hard at first, but now I love it. I still have a lot to learn, but my work's not too shabby. I'll post my stuff one of these days. Until recently I was doing 8.5x11 LO's and printing them at home, but now I'm into 12x12 and sending them off to be printed. I just sent my first order to sbtoshare.com and am eagerly awaiting my package. It seems like it'll be cheaper since i won't have to use my own ink or paper.
Katey, don't think about it too much! Just get in there and do it! Good luck and have fun!