I guess I eased myself into touring slowly. First with a rental bike when on holdiay, then an untralight weekend jaunt on my old bike, then a 5-day hostelling trip on my new touring bike. A few hostel and camping (not cooking) trips around Europe. When I finally had the time/money/inclination for a big trip I was pretty experienced and knew what to expect.

I understand your issue with coins. In Europe there are still countries outside the Euro-zone. Best to spend your coins on a decent coffee and cakes before you leave. I hauled a good few Danish-pastries worth of Kroner around Norway.