Richard--I'm just like you with the same questions. I'd like to find a group to play with. I try to get to a folkclub once a month (we play in a library conference room once a month for each other although we would like to have people come in just to listen), and i've played at a local bookstore in the past. I'm sure my performance would be greatly enhanced with other instruments. But joining a folk club in your area would be a start. Everyone is usually supportive and the experience of playing/performing will help your confidence.