With a Seller+ account you can open up to 5 stores for no additional cost.
Each listing can have up to 5 images attached for no cost. What you do not get for no cost is the thumbnail image in search results. To get that you need to create, at least, a Gallery style of listing which carries a 2% final value fee on successful sale.
With a Seller+ Lifetime account you can, as long as you only use the Free listing format, never pay any fees ever again. No listing fees, no selling fees and no store fees.
Have a read of this (and the page generally) and a lot of your questions will hopefully be answered:
http://homepage.ntlworld.com/astral....icks.htm#a0004