in reply to choosing modules for web site
1. register users with names, addresses, phone numbers, billing info and a few other fields,
I would use DBI and DBD::Pg for a datastore (but of course there are many to choose from);
2. be able to authenticate these users,
Check out CGI::Session::Auth::DBI to manage use sessions, and privileges by role
3. provide levels of service for them,
Again CGI::Session::Auth::DBI allows for user roles and easy methods for checking privileges.
4. let them make posting through unsophisticated forms,
Now your idea for a CMS is starting to make sense. Plenty of them out there. And it likely makes more sense to extend one of those to handle this, rather than trying to write a bunch of custom code and glom a cms on top of that.
I create simple (and not so simple) forms with CGI::FormBuilder all the time. Or you might find interesting a module I recently released to cpan called: Config::Simple::CGI::FormBuilder which sub-classes it.
5. bill them recurrently using credit cards and/or PayPal
For managing PayPal interactions, try: Business::PayPal::NVP, Business::PayPal::API and Business::PayPal::IPN. You will need to spend some time in the PayPal API docs to get a sense of what you can do with these modules and how. Both those modules make fine wrappers to it.
Trust that might get you started.
if( $insurance->rationing() ) { $people->die(); }
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