Welcome to the forum Tonyespo! I picked up the guitar in the end of August 2009 ... I found Chordie within my first few days. Clearly, you know you'll get a lot of value from this site... everyone here is AWESOME, and we're like a little family. I started with my husband's steel string and after a few weeks of practicing he saw I had some potential... our anniversary came and he bought me the nylon string (classical) guitar that I picked out in the store. I will say... those steel strings HURT my fingers... but I did build up callouses very very fast. Now that I've been playing my classical a while, I still have callouses.. BUT I can feel thru them (they are not HUGE callouses like I was getting with the steel). Now... I'd say offhand that nylon is easier... BUT, I've picked up a few steel strings that were really nice and easy to play. So in my opinion, the cheaper the steel string guitar the harder it might be to fret.. but you CAN DO IT! It does come down to action, strings, fret height, etc... but if I could do it on a crappy wal-mart bought guitar with soft girlie hands, I'm sure you can with some practice.
What all the guys said is true of course. Grab those two chords and just practice going back and forth. You will eventually get faster and more accurate as you continue to practice! Also... for starting out, I highly suggest checking out www.justinguitar.com - it's a free video tutorial site that will lead you through the beginnings, beginner chords, and practice exercises (including finger stretching... which I think was helpful for me in the beginning). He's got a ton of advanced stuff on there too, but absolutely led me thru the beginnings of picking up the guitar in a way that other's could not. Of course you can donate if you like, but everything is free with no need to give out your contact info.
Good luck... and soon you will be giving out advise too!