Basically I turned it on, and have deiced that although paypal can be irritating, I feel safer with them handling my $ as they have way more experience, I had no clue about the 10 day hold when I turned it on (and the sales came in) and I don't like shipping goods out that haven't been technically paid for, because someone else has my money and is deciding when I can get it, and how is Etsy going to handle tough disputes between buyers and sellers with no phone support? I can call paypal any time I want for help, and they will walk through things with me.
So yes, I have MAJOR "turn on remorse" and wish I hadn't done it.
I just want to turn it off, but I want to be paid the $100.50 for items I am shipping out tomorrow aqnd am worried that if I turn it off that money will disappear!