Thanks a lot for the replies and thoughts. Do people have favorite resources for learning the ropes as a small business? I've been reading "Small Time Operator." I know of no such resource for app developers. Moreover, most of the information that you will find about starting an indie app development business is wrong, sometimes maliciously wrong.
Developing software is not like other businesses. When you go to talk to an accountant, lawyer, or insurance broker, you have to explain it to them from the ground up. In many cases, they will have never encountered anything like this in their careers. When you fill out forms, you will struggle to even find the right category to identify your business type. When you look to find out what tax and consumer protection laws apply to your business, you will have to go deep into the minutiae of intangible personal property and/or software services. Most of what exists for "software" is designed for companies like IBM. Either it will not apply to your small company, or it will, with all the paperwork, fees, and forms that IBM has to submit.
It was easier years ago when it was more of a "Wild West". Now, all of the authorities know something is going on, they know they are being cheated, and they are looking to get control.
However, there is one bright spot - Apple. We will soon see the end of the Golden Age of the app developer, but it isn't over yet. As bad as it is, Apple is as good as it gets. Apple takes care of most of the details and gives you access to the best customers. You should be able to find professional services like accountants, lawyers, or insurance brokers who know about Apple's developer program and maybe already work with some Apple app developers. Keep looking until you find them. You might have to choose some bigger, more expensive names than you would like. But the bigger companies have more resources to tap into than the local folks who just deal with plumbers and duct cleaners. If they don't know how to do something, they have people they can call and ask.
I can't make any guarantees about the future. There are a lot of powerful and/or influential people who are working hard to put an end to this. They've made their money and now they want to burn it all down. Don't follow their advice.