Ok, so I found that with the existing customer column in place of the orders table the credit card approach (using sandbox cc info) works great and I get my "Order Authorized" page as the result.
Again; Still need to figure out the PayPal thing. If I went live now with my current pages I would only be able to accept credit cards as the PayPal button just brings you to the confirm page (as if it was just a hyperlink to the confirm page). It does not give me a chance to enter PayPal information or to use this method.
On the flip side..... Thank you so much Jason - Would not have gotten this far without your support and guidance. YOU ROCK!!!!!