I think the important thing to focus on when starting out is getting a product launched and generating value, hopefully value which someone out there can attach

I think the important thing to focus on when starting out is getting a product launched and generating value, hopefully value which someone out there can attach a monetary value to. Companies and accounts, while they are important, should only come as a second priority (or even lower, depending on your situation) I would recommend getting rid of all the unnecessary burden and focusing on value. I'm not sure how complex it is to dissolve companies in the US, but in UK it is fairly straight forward for a small company. Naturally, things get pretty complex if you've been established and active for a while.