Soaper's Choice has 7lb containers of tallow, you do not have to get the 50lb block.
I order from SC because it is a state away. If I order early enough, I get it within a day, and shipping is pretty cheap. This of course all depends on where you are - if you are closer to FL than you are IL, then ED might be better for you.
ED on the other hand - I have heard too much about bad customer service, and their shipping is alot more expensive and takes longer to get to me. Plus they have that super annoying spokesperson who spreads all kinds of bad info.
As for the difference between lard and palm, I can not tell the difference in the final product. My palm recipe seems to trace quicker than lard, but I have been able to swirl away using either.
As in all things to do with soap, individual experience will vary.