eBay is a very difficult market to crack and to be succesfull on, a lot of people don't realise how much time and effort is needed to be succesful on it, so many sellers expect a hundred pound profit each day from a few sales of branded goods and every body picks the same fashionable and latest faze of goods.
I am now sending a lot of my ebay customers to my own free webcart shop, with better prices and deals on it, they love it and so do i!
but i need my ebay shop for initial customers, traffic and sales, my loyal and regular customers are starting to buy direct from my own webshop.
So any regular sellers on ebay - start that free shop as soon as!
Like you said it depends on the individual, their level of commitment and amount of capital they have to invest, I invest as much as i can back into the business, if i don't need it, i don't buy it, you have to have as much cash flow as possible.
So to everyone with an ebay shop or thinking about it, Goodluck in your venture.