I think that you have provided a good summary of the situation. I hate reinventing the wheel too - hence the question. I agree with your points about backup and recovery. However, I am finding that the OOTB solutions you get with WorldPay and Yahoo for instance dont allow for enough customisation to differentiate one site from another - so I am looking for a semi OOTB solution that can be implemented fast but is extensible enough to allow for customisation and growth.
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