Thank you all for your informative responses! It is definitely a lot to learn. We have decided after all the reading and tips on the forums here to go with a TA. There is a Martin Travel & Sea Cruise in the next town so we plan on saving for the deposit and calling there for an appointment.
I honestly don't have anyone to ask for a recommend. I work at home so no co-workers, my family doesn't travel and neither does my husband's family that often and I do not have a wide circle of friends. We tend to pal around with the same people over and over again.
So I figured we would just go in there informed as we can and ask plenty of questions to determine whether or not the TA is a good one. I guess it is a better idea than booking it online myself.