The best part: You pay as you go. Don't look at the full cost, just go and take lessons when you can. The faster you can do it, the cheaper it is, but waiting until you have all the cash is a mistake, it'll just push this off further and further.
Radio chatter was the scariest thing about the whole training for me, turned out to be a total non-issue. Once you have the format down (Basically Who, Me, Where, then What) it's cake. An example of that format is "Eugene tower, Cessna 1437F 10 miles east, landing". You'll learn to fancy stuff up eventually (giving ATIS info, alt, etc), but that's the basic format and it applies to everything. You don't get rapped on the knuckles for making a mistake, and in a pinch you can use normal english if it's the difference between being understood or not.
In regards to understanding what they say to you, just listen. If you don't understand something, just ask and they'll slow it down.
Sport pilot is cool if you can find it there, it cuts your cost in half. Then you can (at your leisure) work your way towards the full PPL. And you can fly with your friends while doing it!