It does not file as soon as it takes your payment (some people even pay in advance but file days later.) To efile you have to go a final screen with a "Transmit Returns Now" button and actually click on that button. So it would be hard to file accidentally. You can pay and then continue on to see what it offers, just don't go on to actually Transmit the return until you are ready.
Also see the info I left you in your other thread:
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