Judging from what you initially wrote, I think the tour group may be the way to go this time.
In keeping with my motto: ´Today´s tourist is tomorrow´s pilgrim,´ I can testify to the excellence of starting out with plenty of support, especially if you´ve not gone to Europe before, have no Spanish, and more importantly if you are on a limited schedule. My first camino experience was a whirlwind 5-star press tour sponsored by the Tourist Office of Spain. It showed travel journos the highest highlights of the Camino, in an effort to get glowing stories put in the American newspapers. Little did they know!
I fell in love with the whole pilgrimage idea, and Spain, and the meseta. That week of way-too-rushed stops and drives and samplings was the start to a great addiction. But it was also a gentle way to ease myself into the camino culture, perfect for a mom (I had two little ones) with very little time and money to spend away from home.
It took me 7 years to clear out my schedule enough to walk the whole French route as a "real" pilgrim, but by God I did it! I am glad it worked out the way it did. (and now, 7 years later, my husband and both my children have all done Santiago pilgrimages of their own!)
Oh, and Nancy Frey is a mensch. You´ll love traveling with her. The trip is way worth the cost, especially given your situation. Just do it. And stop by here and say hello!