Collect all money in your premier/business accounts, there should not be any limits to how much you can receive. You cannot use your personal account for business and as such, it is only restricted to small money transfer from friends and perhaps selling your used products on online auctions. Thus there is no reason why you should exceed your limit in your personal account in the first place. If you are doing business then you must use a premier/business account. There is no exception.
either you need to upgrade to premier/business account or tell your customer you cannot accept CC transactions or wait till year end then start accepting cc payments.
You need to give some fees if you are doing online business. One thing you can do is use Mass Pay option. It will save fees.
If you think the cost outweighs the benefits which Paypal provides then Don't use them. It is that simple. Find another solution which would meet what you are willing to pay. No one is forcing you to use Paypal. Before you throw the first stone at them, do your own calculation, are you charging your customer more in terms of percentage or absolute terms more than what Paypal is charging for their service ? If so then I would say that you are also probably charging your customer too much
if you think they charge too much, then just imagine without paypal, how you will transfer/receive money from your clients ? if you ask your clients to wire money via bank, then how much the banks will charge you ? how long it will take for the money to reach your bank ...