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Solo Female First Time Traveler - Scared to Death

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Hello everyone! I have been reading this forum for quite some time and decided to post my own for some advice. I am 35 and have never traveled outside of the US. I am at a crossroad in my life & now that I can travel, I'm mustering up the courage to go for it. There is so much to learn going to another country: transportation, currency, language, getting around safely & enjoyably with the hopes of wanting to return again. Although I have planned several successful local trips before, the idea of traveling abroad is a mix of excitement & anxiety. I think the bottom line is I'm just scared to travel alone because I've never done it before. It sounds ridiculous but I am really nervous since all my travels have been with either family, friends and boyfriends & now if I wait for them, I might never be able to see what I've always dreamt of seeing...the world! With limited funds & a desire to explore, do you recommend I go on a tour or should I just go for it alone? I am a capable person and can learn whatever I need to learn. BUT, do you think it's wiser if I take a tour first then return when I'm more comfortable, or should I just go for it and travel like a nomad? I have a little less than 3 months before my visa expires to stay in Europe so I would like to do just that. I have 10K total & given that I'm 35, the thought of staying in a hostel is a bit of a drag. If I need to cut it down to 2 months to stay a little bit more comfortably, so be it. I am open to staying in private rooms in homes from airbnb.com for instance or a safe bed & breakfasts - it doesn't have to be fancy at all as long as it's clean & safe. I am planning to fly into London & take the train to Paris. From there possibly take a train to Switzerland then to Venice, Florence, Rome then Sorrento. Or making a U and saving Venice for last before heading up to Vienna & flying out of Prague. Is this too much? For your first time travels to Europe, I'd love to hear what your itinerary was & tips you may have for a first time traveling female like myself. I don't know why I'm so scared. I live in a big city in the US traveling by car all the time. Public transportation is foreign to me. But on the flip side, these differences are what is urging me to check out. I love food & wine, the arts & discovering historic places & just experiencing a different culture. I don't want to hop around too much aiming to stay in one location for at least 5 days if not more. I might double that in Paris. What do you think? I have ordered some Rick Steves & DK books so they are on the way. Is there a women's travel group I can join in case I chicken out the last minute? hahah! Thank you for all your input, tips & most your time. Please be brutally honest if i sound lame for being this nervous.

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