Liz,
We always appreciate questions and suggestions! That's the only way we can keep improving the system - no system is ever perfect.
Re 1: There is no other way now to do it besides what you have figured out already yourself. I will add it to our list to analyze possible enhancements.
Re 2: Same thing - you would have to log out, use online form and not proceed with Paypal.
I know, this is a bit awkward and I am sure we will find ways to make it faster/more convenient.
Dmitry Buterin, Chief Apricot