For the average affiliate, I'd say, use JVZoo. I promote a few things on there are like it so far. When it comes to getting paid via Paypal, I've come to find that a lot of those programs aren't on what I'd call networks like Clickbank. They are programs, where you have to know about the product and product creator (whether or not you can trust them). In other words, you could get screwed if they decide not to pay you. It's one of the main reasons marketers like affiliate networks.
Joey