So I finally bit the bullet and purchased clipless shoes and pedals. WOW. Instant power transfer, easier to get in than toe clips. Much more comfortable! And I only rode about a mile back from the LBS so far.
I got these pedals and these shoes.
I paid pretty much retail for them but that included installation and of course the opportunity to try the shoes on. I would have probably ordered the wrong size had I got them online.
So whoever is still thinking about, wondering if it's worth it, it is!