Wow. 2babybees, you seem so organized about it! My 'training plan' was to get some sort of workout in whenever I could keeping in mind the ideal of building endurance earlier in the season, speed work more toward the middle with a bit of a taper before my A race. Mostly I just caught a workout when dp could watch the kids! I'm lucky to get in one swim every few weeks, 2 runs and 2 rides a week, with maybe one track workout or brick thrown in each week. It isn't much, but still takes a solid 10+ hours each week, which can be hard to manage.
Runningmommy-Many women get started by just doing a sprint tri, realizing how fun it can be, and then working from there. Plenty of folks do their first (and third, fifth....) tri on mtn bikes and lacing up their shoes. And do just fine. You don't need all the gear, in fact I always crack up when I pass folks with their aero bars and hydration set ups, and I'm on my cruddy bike with a poland spring bottle!
It's good for the ego.
The thing to remember is not to get too worked up about it. I'm always so nervous on race day (can't keep food down, etc) and it really doesn't matter. It is supposed to be for fun! Just do it- you'll be glad you did!