I'm toying around with a few ideas, but you're intuition is mostly right. The problem is that I don't know which of them are realistic in terms of programmability (hence my desire to really learn web-dev languages). I've only discovered this site 2 days ago, but I've already read a few posts saying you can't find strong programmers who'll just implement your idea and let you take the credit/bacon, which I can understand.
I went through 4 years of college (majoring in EE), worked 1 year as an EE, switched tracks and went to medical school(4 years), then finished 4 years of residency. I've been out practicing for a bit more than 1 year now. Everyone who wants to go to medical school has to have a college degree in something - mine happens to be in EE! Thanks for your input, much appreciated.