A smaller, less complex business needs fewer features than a larger business does. Remember the question in Step 3 regarding upgrading or adding modules
to the accounting software later? No matter how irresistible extra "whistles and bells" seem, resist the temptation to buy more accounting software than you need.
Generally, you pay more for more features in accounting software and if if your business grows enough to need more robust financial features, the cost is justified. For smaller businesses, there are now enough accounting software options available that over-buying is unnecessary.