For a first timer I would recommend the Stevens.
The only thing you have to do is, clean it, load it, sight it in, and clean it!
I really like the H&R but I will not tell anyone to get one as a first rifle, that doesn't mind tinkering with their rifle.
They can be great shooters out of the box, or they can frustrate you to the point you want to throw it away.
So to me a new shooter shouldn't have to deal with all the stuff to try to get the gun to shoot, but only have to worry about the basics in shooting a rifle, and that means keeping it simple.
You already said you have a scared bad feeling, so go with your gut, since that is usually the right choice.
You can always get one later on when you feel comfortable about it.