I think I've decided to use the variant matrix after all.  It just makes the most sense for a store like mine.  However, I can't figure out how to position the matrix on the product page.  I'd like it to be next to or underneath the product picture at the top (as is done with www.julie-ann.com)  I'm guessing this needs a float of some sort but I don't know how to create those codes. 

 http://clothdiaperoutlet.americommerce.com/store/p/1-Wahmies-Wetbags.aspx

You will need to enable the setting "Use Matrix Style Variant Display" found in your Theme Manager. Then you will need to alter the "Custom Page Design [beta]" found on the Product Details Page, so that it will display the way that you want. This will get you very close the type of display used on www.julie-ann.com. I have also cloned you active theme CDO, and made these adjustments for you. The name of the theme with new settings is CDO [clone].