I feel really stupid asking this question but how can I find out what type of account I currently have setup with my PayPal?
What you can do is to Log into your Paypal account. Go to the 'Overview', it will show on the title what time of account you have such as Premier Account Overview for a Premier Account Personal Account Overview for a Personal Account Business Account Overview for a Business Account
When you log in to your account, you can see to the type of account you have in the top of the page itself
Are you using which types of e-mail adresses you should use paypal ? Well its up to you, you can use any of them, l use my msn adresses.