What do you mean by 'full ebay fees'?? Of course you have to pay ebay fees...insertion fee, fees for any extras you might use like Gallery Plus for instance, final value fees etc.
Auctiva gives you your templates and up to 23 extra pics for free. Where do you think you've been overcharged?
EDIT - Sorry, but I just have to add...you have many posts with this question in it. Do you not believe us? Not liking the answers you have gotten (correct answers BTW) won't change anything.....Ebay is NOT free or even reduced,they charge fees, it's as simple as that. I would suggest re-reading some of the answers on your other posts.