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You don't HAVE to use the same server or even the same host for your e-mail. You can change the MX DNS record to point your mail server any where you want. If you rely on mail you might want to go with an email host, especially if you do newsletters and other regular mailing.
Email on Phatservers shared boxes is pretty dismal, IMO. I've had lots of problems. I once went for days with no email to one of my accounts there, as their mail server was simply bouncing everything back to sender.
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