I did not read everyone else's post, but I wanted to quickly let you know that I, also, was very scared to try mtx. When I finally made the decision to do it, however, it made a signficiant difference in just a few months. Now, i can't imagine what I would feel like without it. I was started out on 7.5 mg/week (which is low), but I didn't start feeling anything until it was raised to 15mg/week. Starting you at 10mg/week is probably a good idea. When I first started taking it, I found that it made me a tad bit queasy (honestly, not as bad as plaquenil did), and very tired for a day or two after taking it. AFter being on it for a few months, however, I didn't experience any side effects. I also take enbrel for my joints, but if I had to choose between them I would go with mtx hands-down.
It's not as scary a drug as it's made out to be (IMHO).
Best of luck on your decision,