A Call Out To All Fellow Writers

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Hi Everyone! Ok, so I have come up with a great plot line for a novel. It's going to require some extensive research which is fine (I was the dorky kid in high school in college with two whole packs of notecard research for term papers). However, I am scared to death to start it. I actually feel like a deer caught in oncoming headlights. Has anyone else felt like this? I have written two novels, both during National Novel Writing Month (which is basically just writing your stream of consciousness--that's the only way to make the 50,000 word count!) Now, of course, I have procrastinated and not done anything with those two novels. They're just collecting dust on my hard drive. I am wondering if this "writing anxiety" is from the fact that I don't want to invest so much of myself and my time into something I may never completely finish? But on the other hand, I have never felt so connected to a plot or the characters before (I've done a lot of work in my head over the past few days). So here's my question since I have never went about "formally" writing a novel: Do you feel that it is better to have an outline in place before writing or to just dive in?