Thanks so much for your feedback guys.
CCbill is supposed to be the #1 choice because they really go over the sale (scrub?). Since I don't expect that to be much of a problem*, Standardpay sounds like the way to go.
I'm actually going into the business with two friends of mine, so we'll be creating a formal company and have gotten a small loan to get started.
At any rate, I think you're right about getting some sales history under our belts before going for that Merchant Account.
*It's a niche fetish product. Not much value for people who aren't into it.