Hi Airwolfe, I don't blame you at all for wanting to get your book out as soon as possible. Congratulations BTW!
Now for a question of my own... I might be completely naive, but why are so many people paying for formatting? I wrote my book in Word (yes, I'm a PC

) and when finished, converted to HTML to upload for Kindle (I save in other formats for BN & SW). My formatting looks perfect: clean chapter breaks, italics are where they're supposed to be, foreword copy is centered nicely, chapter headings look great, margins and indents are as I'd intended. Am I missing something? I don't use a table of contents because they annoy me as a reader (I hate having to keep forwarding the page to get past them) and it's not something I've seen regularly used in my reading genres of choice (romance, thriller, mystery).
Please let me know your opinions on this because I'm not opposed to hiring someone to do my formatting if required, but it was so easy to do it myself and turned out so well that I've never even considered contracting for the service.