Climber.....you might want to look into www.trainingbible.com
It's a really good packaged program with tons of customizations. You don't really have a live coach setting your workouts, but you can taylor your stuff for a full year. It's all based on a periodization system that you can set as training by HR or power. Cost is really good (around $120US per year).
I have been using it for my triathlon workouts for over a year now and I really love it. Tons of functionality and they also have a message board that you can ask a coach a question and they will answer on the board.
The orginal concept as well as most of the workouts were designed by Joe Friel (very respected cycling coach).
They have a 1 week free demo and if you need help setting it up let me know and I'll be more than happy to give you a hand.