DG....you can't go getting hinky about clipless. It's just us BS'ing and getting pretentious. Do you have a pair of Look drilled (3 holes in a triangle pattern on the sole) road shoes? I'll send you a pair of old but very smooth running Look clipless to try out. but you can't keep them.

You'll just need to get a pair of bolt on cleats for $15 - $18. P.M. me. You're probably more of an SPD guy but try mine just for the experience.
Adjusting them isn't rockect science...you've got to get it pretty radically wrong to hurt yourself. As for falling, you know the old saw about two kinds of riders those who've fallen and those who will. A few falls are good for your cycling resume-- they make good stories to share with BF. Sometimes we talk about small things (e.g. whether to set your release tension one turn not two!!!) so much here (for want of bigger issues I guess or just for something to write about) that we misconfuse others.
Clipless aren't for everyone but they're worth trying......I recall you took 2 years to buy a real roadbike but now you're joyful and love Ruby. Let's not wait another 2 years for pedals.
(And your mom agrees with me!)