Hi Susan, Congratulations on the decision to move to the front of the bike. I’m sure it’s going to be so much more fun up there. I can’t comment on which cruiser to get, Munch is your man for that.
Riding bikes can be scary but it is my believe that through education you can manage those risks effectively. I don’t see the point in learning the hard way as that tends to hurt and costs more than training classes, books and dvd’s. I found the book Proficient Motorcycling a good read and invaluable in highlighting all the ways bad things can happen so that you can avoid them. The MSF class is a great way to start but once you have some miles under your belt look out for more advanced classes. I’m approaching 2 years and 18,000 miles and have plenty to learn yet but having sooo much fun doing so.
Good luck!