I wouild never use F&F....it is like not using your turn signals....Butt,do whatever you want ,I have over 1300 transaction with PayPal and they are good with me.....
So far so good. I pay fellow members with PP F&F to avoid the extra fees and every member I have bought from has been very honest. But I am not spending thousands of dollars ether, usually two hundred or less. I would elect to pay fees for high dollar items if I had the money to buy such items, lol.