I have started many customers on a shared server and there business/(web site) runs fine to this day. If the traffic is to much for a long period of time. Then you would want to get a dedicated server. But there is no seance in getting an over priced server before its time.
Here are 2 very nice shopping carts that handle multiple gateways and are free, I believe you can pay $50.00 for a life time membership that allows you to get all the add-on stuff.
Personally I would use a SQL or query back-end.
CommerceSQL
Commerce-CGI Good but flat file.
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