I've run into the "selling restriction" once, and that was a weekly posting highly populated w/ "designer" goods (Gucci, Armani and the kind). Just waited out the 3(?) days period.
My fees have actually decreased recently, thanks to the improved PowerSeller discount and smarter listing (I'd like to think).
This has been discussed extensively here not long ago - the efforts that ebay & paypal are putting into making all the new rules, policies, fee structures, and etc are trying to drive "hobby sellers" out. So its only natural that ebay/paypal gives a rat's @ss about OP's problem.
The fact that you are happy with your current situation only means that you are just lucky and have not been screwed by anyone. But i am telling you the chances of one, as a hobby seller, get screwed is higher than ever. Today you can be a happy camper enjoying the so-called improved PowerSeller discount, yet it may only take 1 or 2 bad buyers within 30 day period of time to ban you selling on ebay forever.