Hi again, Kathy,
With airlines, generally the further ahead you book, the better fare you'll get. This is one time when booking through a consolidator may help. However, if you have any worries about having to change or cancel your flight, it's safer to book directly through the airlines. Several airline companies offer direct flights from the U.S. to Glasgow, Edinburgh, or Inverness. Others go through London Heathrow or London Gatwick.
Airline travel is extremely safe. The only problem is being cooped up in what is basically a large cigar tube for eight hours. Personally, I can never sleep on Transatlantic (or any) flights, even overnight ones. I usually bring a book to read, but when I feel myself getting sleepy, I put the book down, and I'm instantly wide awake again. :(
B&Bs can be a lot of fun. The nice thing about them is that you get to meet people from all over. You'll be seated at breakfast either at your own individual table, or at a table with others. You may meet fellow Americans or visitors from continental Europe. If you speak a foreign language, even slightly, you can try it out with your new friends. Most better B&Bs now have en-suite facilities, which means that you have your own toilet and shower/bathtub within your room. Older, unconverted B&Bs have a separate toilet and shower which you may have to share. Most B&Bs now have televisions in the rooms, so you can watch dreadful British reality and game shows in the privacy of your room. BBC ALBA has the best programming, although most of it's in Scots Gaelic.
Most B&Bs now give you a sheet to fill out in the evening so that you can check off what you'd like for breakfast. That's your opportunity to try haggis or black pudding, Scots bacon, and your choice of eggs. Baked beans and fried tomatoes are on most lists, although fried tomatoes are an acquired taste. Kippers are tasty, but they are a lot of work because of the bones.
If you haven't already done all of your booking, you may want to consider the Premier Inn chain of hotels. We stayed in Premier Inns in Aberdeen, Dundee, and Falkirk on this last trip, and we've also stayed in their Edinburgh, Elgin, and Inverness facilities on previous trips. If you book far enough in advance, you can get a room for between 35 and 40 pounds. That doesn't include breakfast, but you can get a good inexpensive breakfast at most supermarkets which have a cafe. Or you can get an all you can eat breakfast at the hotel for about nine pounds. Premier Inn rooms are clean, comfortable, and well appointed, if a bit soulless.
You are going to love Scotland!