Ask HN: Selling software but not a company. Should I incorporate?

I've read most of the company-based articles that hit the front page, dug through patio11 and startuplawyer's material, as well as the few other juicy bits that pop up every now and then. I've read endless documents explaining the various types of legal entities and their impact on taxes, liability, and so on... but I'm just me.

There aren't any other founders. There's no special IP. I won't be hiring anyone else and I don't want to cash out in a few years. I just have ideas and the ability to put them on Android and iOS coupled with a desire to make some money. (Hopefully enough money to be able to focus more on what I enjoy doing than on just paying the bills.)

As far as I can tell that means that I have to sign up for a merchant account - which asks for a business address (I'd prefer to avoid providing my home address). I'm also worried about liability. Obviously it's not my intent to encourage others to sue me, but if it happens I don't want to lose my house.

I'd like to avoid needing a lawyer or a special tax adviser/accountant. It's just me.

What is the easiest way to get the most protection in my situation while solo-diving into the world of non-free apps?