Trying to sort all that out myself.  I signed up with okpay when tradehill started having all their problems, and I just wanted to get my money out...and bitinstant was also not communicating,  and was personally feeling like I might get ripped, and since dwolla was no longer available for anything either, okpay was who was left.

After a few more days of wondering if I was ripped or not, they finally sent my money to okpay.  Then to this amount of money, I had to give up all my bank account info and stuff.  The whole was pretty irritating, and I never figured I'd use them again.  I do use btc regularly however, and ven't yet decided how to go about purchasing them, tho I've used a couple of smaller vendors meanwhile, I might sign up with cryptoxchange or mtgox...it's still way too complicated, but I guess we still need an intermediary with our own banking systems...dwolla fit the bill, and bitinstant does and now I guess okpay fills some kind of need also, but with all the little hassles they've all had I'm a bit gunshy...sometimes, when I look at all the fees, I'm better off just buying and selling with some of the private vendors I know, tho the area I"m part of has had it's share of ripffs too....we'll see...