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You will be losing a LOT of sales if you do not have a way for customers to buy right from your site with a credit card. Especially for low ticket items like t-shirts.Im basically in this situation for lack of $$$$ and it is alot cheaper i believe to go basic but will it be more of a problem than its worth.
It doesn't cost any money to get setup with PayPal.com or even the new Google Checkout (http://checkout.google.com). You can easily add those to a site and begin taking credit cards without a full blown "ecommerce" site (although an "ecommerce" site is probably not as scary or expensive as you are imagining