I do use Photobiz. I too was very leary about setting up a website and finally decided to take the leap! I went with Photobiz because the rates seem very reasonable to me and it was basically a "quick fix" due to the fact that they have templates and all I had to do was thumb through them, find the one I like and add my pictures and info. Not sure how much help this next piece of info is going to be but here it goes: I've never had a website before and didn't really know what to expect as far as fee's went. I shopped around for a while and ended up going to Photobiz due to the fact that they "didn't" take a commision of each sale. Or so I thought. Once I paid the set-up fee and all, I was then told I had to pick a company to do my transactions with. (please keep in mind,like I said, I thought this all came with it because this info wasn't provided to me when I called asking questions about it). So... they recommended iTransact. (think that's right). Well, iTransact DOES charge fee's. They are minimal but still. It's a small % of each transaction that goes through. Then, i got a bill the other day from Photobiz stating that they were fixing to start charging me an additional fee because their rates just increased. Keep in mind that I just stared my website like 2 months ago. So of course I was a little upset about that. I felt as though I got "sweet talked" into this company and now that my "free trial" is up, they are going to start throwing fee's at me!
With that being said, I still love working with Photobiz. The fee's are a little discomforting but from what I can tell, every company is about the same. I liked Photobiz because they had pre-made templates and all I had to do was click a button and all my info would change with the new template. I didn't have to go back and re-add everything. It was actually pretty easy to set-up as well. It took a few days to become comfortable with adding/deleting things to my expectations, but all in all I do like them. The customer service as far as I can tell is outstanding as well! Everytime I've called, I've spoken with someone withing 5 minutes and they answered the question quickly and effectively.
Hope this info helps with your decision!
Also, here's my website if you wanted to check out some options:
www.jessicamitchellphotography.com