An SSL Cert is not required to use Magento. You can LOG IN, view MY ACCOUNT, SHOPPING CART, etc without the need for an SSL certificate. Since you are using PayPal, that should cover your checkout procedure. However, SSL certs are SO cheap right now, under $20/year for a valid Single Root Certificate or less. Not only would it assist the security of checkout but will also help keep your customers account information and log in secure, along with and helping to gain trust among your customers.
If they arent required to run Magento
then what do you see at this screen when you click My Account?
Because in FireFox i see this:
Secure Connection Failed
grooveclip.com uses an invalid security certificate.
The certificate is only valid for *.gridserver.com
(Error code: ssl_error_bad_cert_domain)
* This could be a problem with the server's configuration, or it could be someone trying to impersonate the server.
* If you have connected to this server successfully in the past, the error may be temporary, and you can try again later.
In internet explorer i basically see the same thing
Is there something i can turn OFF in the admin panel of Magento?
Otherwise i just cant use it.
Also you said a cert is about 20 a year?
i keep finding them for about $10 a month