insurance, Paypal, reversing payments, ebay protection ...... all means nothing in the end.
i have had many good experiences but stopped after 2 bad transactions and that was many, many years ago.
1. bought an electronic item for USD700. paid and never received item. tried to contact seller but never responded. filed a claim and ebay only refunded the maximum USD200 as per their "fine print".
2. bought a used laptop. item arrived with a damaged screen. seller blamed shipping and asked me to claim from them. packaging was really lousy and i couldn't see how it would have survived anyway. but it did not look like it was damaged by shipping and the damage looked old. decided to forget about filing a claim because it wasn't worth the time and hassle.
to be fair, ebay protection may have improved, but my simple advice on ebay is this " don't spend any money there which you cannot afford to lose "