If you have the time I would point you to the BU exams but given you're only playing 10 hours a week I'm going to point you to Bowliards. One set should take you about 30-45 minutes and will give a general idea of how you play. Don't think you'll play one set and know where you stand, play 10 sets over a 5 day period and post your results, and we'll tell you where you stand.
There is a website devoted to it; however, I have not used it, I have either used a piece of paper for scoring or used an online bowling calculator and screenshotted the end result.
This is the bowliards website..
www.bowlliards.com
This is the only calculator I have used online...
A bowling score calculator to help you keep score or adjust a score in any frame. A simple but powerful tool that allows multiple games, handicap score, maximum score and much more.
www.bowlinggenius.com
IMHO, the ghost is good for people who can run the table (either occasionally or consistently), if you can only run the table 1 in 10 times the ghost will always win and will teach you nothing, bowliards will give a more finite idea of where you stand.