I have no idea if drbuck917 is still interested in star formation 3 months later but in case that person is, I thought I'd post.
I too found myself wondering about how a star forms, and where its planets and the rest of the family all come from.
Chris Peterson is right about theories. All sorts of people use them, and I tried, after reading as much as I could from a lot of different sources, not because I wanted to write a theory, but because I wanted a picture in my own head. But I also wanted it to conform to known science.
One of the biggest difficulties in creating a star formation theory is that you can't really test your hypothesis, you pretty much have to take your hypothesis and search the skies for evidence that may support it. And when what you are looking for is buried in a molecular cloud it becomes almost, if not absolutely, impossible.
What I am explaining to you will put me in the class of a pseudoscientist, which is alright(they have more fun).
Long story short, I progressed by reasoning out a process that might form stars, complete with attendant planets. In the process, if I encountered an issue that required an element of chance or a new kind of force, I restarted my theory. Very early on I became aware that I didn't have exacting enough knowledge in all the fields of science to fully develop my theory. There are just too many fields involved, and any star formation theory will be a result of many people's work, people that are no longer with us included.
So I wrote a slightly tongue-in-cheek essay on how to build your own star system. You, and others, may find it entertaining and it's available at:http://rlhicks.shawwebspace.ca/pages/view/how_to_build_your_own_star_syste/
I did take this to the point where I reasoned out a scenario for providing angular momentum for the planets, which is a major stumbling block for star system formation.