That is convoluted.
I agree that the DBA shouldn't be a factor in the cost of doing business, and you aren't going to need a DBA unless you are operating under a different name than your business or yourself.
If you are operating as sole proprietor, you can accept checks in your own name and operate the business under that name, too.
If you are incorporating, you can accept checks and operate the business under that name, too.
If you are not using your natural name and not using your corporate name, but instead are 'doing business as' another name then you need to file a DBA (doing business as) which simply tells the world who you are and that you are doing business under another name. If you accept checks using that name, the bank will usually require a DBA so that they can see that you are, in fact, the recipient of the check.
But, a DBA only costs a small fee and it shouldn't really be a cost consideration when you are starting up. At the beginning, you should be thinking about convenience, cashflow, liability, and taxes, not to mention taxes and also taxes!