I am working with a Drupal 6.x system to create exercise / personal training programmes, and am using the CCK with content types of Exercise and Programme, where Programme c
I don't think "creating" these programs is even necessary.
Why not just display a list of exercises that match your requirements and share 'characteristics' with the user.
I'd accomplish this by making the 'characteristics' be taxonomy. Then attached to users either with a profile, or taxonomy flag. Then display a list (perhaps even a view at first) and those with the same characteristic tags within exercises.
This would be dynamic and user specific and note require pre-loading a bunch of programmes.
A thought.