Since you are just getting started, begin with SAG for now. Once you get established add in a self-contained tour for the extra challenge. My name is Arlen and I have a program up and running like you are planning. It is called 10thGear Christian Youth Cyclists,
www.10thgear.com. It has been operating since 1996 and I have been involved since 1998.
We traditionally have one SAG middle school trip (ages 11-14) and 2 high school trips (14-20); one SAG and one self-contained. We own 15 B.O.B. trailers that were purchased or donated in the past and own 8 bikes that we loan as needed to assist kids.
Although our program is not based on the ACA Pedal Pioneer program because we pre-date that great guide, it does look very similar in many fashions.
We are also a Boy Scout of America Venture Crew and obtain insurance for participants and leaders through that program (high school only). All our leaders are CPR/First Aid certified (we now pay for the certification).
I could go on and on. I am so excited that you are starting a new program. Would love to share ideas and hear about your plans. What area of the country are you planning to setup your group? Have you thought about insurance?