Thanks for everyone's comments. Really appreciate it!

I decided to go with the Shimano Click'r. Just ordered the PD-T400 from Jensen for $27 (includes shipping and tax). Figured I can't go wrong with that price. And once I get used to it, I can always upgrade if needed. And I can also try them on my mountain bike for trails once I get used to it on the road bike.

I liked the Click'r since it's supposedly easier to click in and out. Specially for a beginner whose health insurance deductible is over $6,000/year! And I'm 50 years old, so my bones don't heal as fast and I can't afford to break a bone since I take care of my parents (mom is on a wheelchair).

Do I need special shoes for the Click'r? Or will any SPD type shoe work? I like to be able to walk in them. I can't order shoes online since I need to try them on and make sure it's a good fit, so that money will go to my LBS.