I never pay any added value or insertion fees on ebay. Since I am a Top Rated seller, my fees are usually just roughly 8% ebay + 3% paypal, and I don't have an ebay store either.
First, I think all of the added value portions of the listings for ebay are useless, so I would remove all of those from your listings so you don't have to pay any of those fees. The only added value feature that I think is sort of useful is the Best Offer part of BIN's. You can think about it and determine if that is worth the extra fee.
Otherwise, I only list when there is an ebay promotion for fee listings. These usually come out once a month, and they just had one with 2000 free listings. I usually just set my BIN price and move on, and just re-list every month.
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