Thanks for replies. They certainly offer useful insight.
To begin with, I plan to sell digital products. I guess I'll have to do it my own blogger's way then. That is, to start with whatever templates I can find and tweak them. Wordpress allows that flexibility indeed.
Just a thought. A friend of mine who sells flowers online hired someone to do his payment system for him. Incidentally, this programmer did something funny and attempted to redirect the payment to his bank account. My friend was lucky that the programmer was not as good as he thought. The payment system didn't work. So, he investigated and was shocked at his discovery.