I would tend to agree. However there are some great shopping carts out there that you can install and for payments point them to paypal.
I have installed plenty of them and customized the heck out of them, but for a business with a few items to sell, a low-cost hosted service makes more sense. Monterrosa-24 would do well to focus on running his store, not worry about coding and security and all the responsibilities which come with hosting your own eCommerce site. Volusion sites start at $15 a month, a little more than ordinary web hosting.