SOLVED!!
After upgrading to the newest build (6/9/10) and doing some tweaking, I choose to ENABLE AP isolation and DISABLE Masquerade / NAT (on a virtual interface) and my connection to Paypal was improved dramatically. Still need more testing, but this is great.
EDIT: May have jumped the gun on this. Paypal connections are better, but instead of 5-10 mins, it's more like 4-7 mins. Still not as good as normal web surfing.