One more question for you:
In reading the "PayPal Website Payments Pro and Virtual Terminal Agreement" I see they reference "Transparent Redirect". Is this what the PayPal Pro add-on does? Is it an option? Seems as if this would remove the burden of PCI compliance almost entirely.
It looks like the average PCI Compliance Audit costs $225,000. If we did half that much business online, we'd be very happy ;) An audit is totally out of the question at this point.