XM has 4 accounts. It's cool, I believe.
It's better than 1 and way better than 10 of them, which is usually completely redundant.
Many traders as I see opt for the standard accord ultra low one. I reckon they have the most competitive trading conditions out of all.
Shares acc... Nice one, but it has quite a big minimum deposit, so this requirement is a sticking point for newbies, definitely.