What would you use? Need your help.

Hey guys, I've been reading for ages on here and have so many questions about my membership site! I would REALLY appreciate your opinions on what you would use in my situation. I truly need help, and can't find the answers via the search function.

I am setting up a membership site - this site is basically a Fitness based continuity program. I will charge $4.95 a month, recurring, and will eventually sell a book ($19.95) as a front end and have Online Personal Training ($299 a month) as a back end product. I am using Optimize Press and Wishlist Member on this site.

The site is closed at the moment and I am trying to integrate payment options and autoresponders before launch. Right now I am integrated with a paypal business account and Mail Chimp for an autoresponder.

Here are my questions:

1. Mail Chimp is free for up to 2,000 subscribers, but I have read horror stories on here about lists being blocked etc because of violation of their terms. I am in the fitness business (weekly workouts and recipes etc) and I don't know if I would be in serious danger of this. Also it has "vitamins and supplements" listed as things that aren't allowed to be sold with Mail Chimp - eventually I would probably want to sell these things and maybe have affiliates which also is a no no with them. Should I switch to Aweber before I start to build a list?

2. Paypal seems fine for my purposes, but when I launch my book I will want a one click upsell for my membership along with the sale. Paypal seems to be a long and complicated process for upsells, yet sites like 1shoppingcart etc are expensive and have flaws as well. If I stick with paypal, then decide to switch to another cart with an upsell option later - will those clients paying with paypal be able to continue paying with paypal(recurring), and I can just have clients from the point of the switch onward pay with the new cart? (Remember I have wishlist member, would switching carts in their system effect the customers already signed with paypal?) I would like to start with paypal, but not if I lose all my members up to the point of the switch. Main Question: For my type of site, should I use a payment option besides paypal from the getgo?

I know this is a long post, but I truly need help or I wouldn't ask, any help is appreciated and you will be helping a guy out who has been researching and worrying for weeks.

Look forward to your responses, and thanks in advance.

Jay