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Great choice on scanners. Regardless of whether or not you get the scanner (pre)programmed, you WILL want to learn how to do it yourself. There's no way someone can determine exactly what YOU do and do not want to monitor.
If you get the PSR-300, get WIN97 and the USB cable to program it. It is not too tough to learn, depending mostly on the exact agencies you want to monitor.
The PSR-500, a digital scanner, uses something called object-oriented-programming. It does have a steep learning curve. The software I'd use to program it in WIN500. If it does not come with the USB cable, you'll need one.
With either of these scanners, I suspect you'll find someone else in your area that has one and will be willing to share files with you. From there you can edit to suit your personal taste.