I’ll never forget staring into the deep, black waters of Loch Ness. The darkness of the lake beautifully highlighted the fat, white snowflakes falling from puffy, gray skies above. This, I remember thinking, was the untouched natural beauty of Scotland that so many of my travel writer friends had raved about. It was one of the most breathtaking winter scenes I’d experienced in my life—and I would never have found myself there if it weren’t for an organized day tour.