Merchant Account Gateway

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First of all, thanks to Austin519 for asking very relevant questions and all of you , especially Chris, to answer most of what I needed to know. This product is great and so is this forum. I have learned a lot in a very short span of time.

Yes, I am very new in this, so pardon my questions. My website doesn't seem to have dedicated SSL certificate for my site (probably because they host multiple websites on a single server). After  going thru' the thread, I enabled Authorize.net module and went back to my site, and surely, I was shown Authorize.net as one of the options (I enabled Paypal and Credit Card as well). But I see that I have to enter the cc info right there (checkout_payment.php) which is not secure! What do I need to do to make customer enter this info at Authorize.net's secure site "without"  leaving my site or going to their site & coming back to my site once their charge is processed?

Also, I guess once I enable Authorize.net module, I shouldn't be enabling CC module as it may confuse customers - is that correct?

I find Wells&Fargo and Authorize.net combo deal quite good (Thanks for all the info!). But if I want to process cc info off-line (initially) using credit card module, does anyone know if it will come out to be cheaper or about the same (cost of cc processing machine, and some type of account?) ? And again, will it be OK to use non-SSL enabled URL for such transaction as cc info never leaves the server and is broken into 2 parts? I guess I am little confused here. 

Please help me to understand this. I am sure there are lots of gurus there who might have gone thru' these Qs and will be enable to explain it.

Thanks
rekhis