Thanks for the great suggestions. While my budget isn't limitless, I can afford to spend the money if it means either good, quality shoes or inserts as long as it solves the problem. It's true that you spend less in the long run if you buy quality.

Houdini: I should have been more specific. I don't like the toe overlap, but it wasn't a deal breaker for me because everything else is "right" as far as fit goes. The bike is actually very comfortable now since I've had a few adjustments made (spacers, different pedals, seat height). The clumsy part has nothing to do with the bike...I really am very graceless. It's just more obvious when I ride
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Valy: If it were simply a case of "suck it up"'and go clipless, I'd already be doing it. I know it's just the luck of the draw, but If I'd ridden clipless on my last attempt, I would probably be dead (hit by a bus involved in a 4 vehicle accident with one fatality). The real reason is that I'm a less-than-graceful person who realistically knows her limitations. Thanks for the suggestion on the mountain bike shoes.

BIG thanks to all!