Vman1, keeping costs low is crucial to your start-up just like you stated. But you don't want to be "penny-wise and pound foolish." (no offense meant, that's just a saying from the 'old school.')
My opinion has changed over the last year on server vs PtP setup for even a solo-practioner. When I first set up my sister's system (and began some practice consulting) I would have said PtP (peer to peer) is OK for a solo practioner w/ just a couple of PCs. Now I'd say that is only Ok if there spouse or other family member is very tech-savvy and is working there with them. And even then its iffy. This is based off of my sister's practice--and I'm the tech-savvy one. I'd like to migrate her to an inexpensive server as soon as possibe. The PtP is just too much hassle.
oh, and HOWDY NEIGHBOR!