Using Excelville.com, there are no costs associated with selling spreadsheets and you don't need to build and manage a separate site, which works out pretty well. Whatever path you take, I wish you the best of luck. Leave a comment and let me know how things are going for you.
When VisiCalc hit the scene back in the eighties (in the last century), the relatively small group of Apple II users went crazy. It was like manna from heaven for the poor accountants, scientists and engineers who were used to filling in enormous analysis sheets with a pencil. Now, they could use VisiCalc to do the same task, AND calculate the result automatically.
You could make money doing something you love (or like [or maybe not so much but just really good at]). It's great to see a spreadsheet come together, and usually a lot better than what you originally envisioned. Especially when the dang thing works.
When your spreadsheet start to hit its limits, what options are open to you? Perhaps the best option is to consider the conversion of your spreadsheet to a database solution. Relational databases became viable not too long after the spreadsheet was well-entrenched as the affordable and quick means of gathering data and performing calculations.
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