Concerning credit cards processing, that's just not true. HikaShop includes more that 10 different payment plugins. Of which, moneybookers, authorize.net and alertpay are all valid alternatives to paypal in the USA.
Concerning shipping, we started working on a UPS shipping plugin as you said. It will come. In the mean time, you can use the manual shipping methods plugin to manually enter your shipping rates. You don't have to let your customers have a free shipping.
Please remember that HikaShop starter is an extension that we provide for free. We have an API to develop plugins so if you're missing a plugin, you can develop it or have it developed for you.
If you are having any problems with getting user reviews working please follow this guide:
If that does not help then please visit the forum.
We are working on ways to make editing templates easier as well as providing more prettier templates. Removing the image is very easy and we would be happy to point anyone wishing to do so in the right direction.