Thanks Paulette and Luke for your replies. I've now got a better understanding of the pitfalls of keeping domains and hosting with the same company. The last thing I want is to lose my domain name!
Terry and Sandy, looks like you are both really happy with your hosting company's. That's where I'm at now, picking a good host company that offers reliability, good service and then cost. I haven't even written my content yet though, so I should really be concentrating on that. Hmmm, so much yet to do !!!