Oh, I agree absolutley with what you suggest, and I have looked at them. They are great but, for new start-ups like me with little up-front capital and most likely a job and family, the time it will take is more than we have available. I have to take those other options off the table for now, as it just adds more work to the amount I have, and also as where I am located the logistics were just to complicated for me.
My advice to someone in a similar position would be to go for those first and get them running, or to hand off the site build to a programmer and swallow the cost. That, in-hindsight, makes more sense to me now.
I guess what I lack is the business course that probably explains all this, but then again I couldn't afford the course in the first place! So, like many others, I would like all this information, for free in a nice article I can read on-line. Too much to ask? Probably.
However, as dis-spirited as I sound, will I be giving up? Nope, not a chance. I hope I will have a successful business one day and I know I have learned a great deal. So either way I win.
Thanks for the reply and advice, I hope others here will find it and my ramblings useful.