well i'm not sure if ME offers a refund but i'll say that there isn't anything that'll be disapionting about being a pro member.... it's just added resources that are extremely useful.... as far as your other two questions...
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2.) Do I need SSL for customers to purchase from me?
depends on your payment gateway..... if you use a service like ProPay then yes you should have a SSL for checkout purposes because you collect the info then entered it in at the propay site...where as a payment gateway like 2checkout or paypal bring the customers to there SSL servers when they enter in all of there info... you only collect basic info in order to complete the shipping.... so needed a SSL depends on your payment gateway and how much info is needed to be collected.
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3.) Do I need to purchase PRo just to use my Paypal account?
Yes Pro members are the only ones with access to the PayPal Payment gateway...
Good luck and if you have any other questions just ask away ;)