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You can use the self signed certficate that sme issues quite successfully.
Users should access a https connection at your site and accept the certificate in whichever browser they use.
If they use Outlook or Outlook Express then they should also access a secure web site using Internet Explorer and install the certificate the first time.
Access secure web sites using
https://servername.yourdomain.com/whateverto match the certificate credentials and not receive name mismatch errors.
You'll need the wildcard setting enabled in DNS to allow acces to *.yourdomain.com
They should also change the smtp server name that is setup in the email client to the form
servername.yourdomain.com
Then there will be no more error messages each time they collect mail or browse to secure web sites.