Fran's on the money. A little Hands On is the best way to go in my opinion.
Tom,
If you want to try without making an initial investment, I suggest a look at the freeware at KVR Audio. A great way to get your "feet wet" without spending any money.
If you don't have any software that can host VST instruments, freeware host apps that will host softsynths include :
Audiolabs V dumper
http://www.kvraudio.com/get/1475.html FX expansion Simple Virtual host
http://www.kvraudio.com/get/278.html Herman Seib VST Host:
http://www.kvraudio.com/get/300.html There are others as well.
AJ