Hi Charles,
In my opinion, the minimum rate for any kind of digital product/service is going to be 50%.
You may want to offer more for select JV partners if you know that they can bring you lots of new members. I'm pretty sure iDevAffiliate allows you to specify different commission rates for specific affiliates.
With regards to using the 2-tier model, you should note that Paypal does not allow you to advertise any kind of multi-level commission plan.
You *may* be able to get away with it by contacting select partners and offering them a second-tier percentage of referrals (kind of like a "broker") but you don't want to openly advertise the fact on any webpage ... it's a good way to get your paypal account shut down pretty quickly.
Hope this helps,
Richard