Belindaloo, I am too 'chicken' in the same way as you.
I am driving here, thinking I will wait till the last minute (oct, 2005) to get my UK license, because I don't want to pay all that money!!!!
Seriously, though, do you have to take lessons, or can you just study on your own and go through the process?
BTW, THANK YOU for this most useful thread!