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One thing also to remember is that people have different payment preferences. Some people don't want to make an account at Amazon at all, while some (like me) are fine with downloading Kindle books and changing their format in order to read them, to avoid missing out on a possibly good book.
I can't really see any reason for you to not upload your work to Smashwords. They will take your Word doc and make all necessary formats out of it for you. Like others have said, they will also distribute it for you.
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