Hi - I have used paypal/ebay for long time too - you do have to be very careful never to click on a link from anyone to get to paypal to pay - just like you go to ebay to buy - go to ebay (type in the url) and then go from there on payment to paypal - the spoof e's from a seller may look real and not be, and the link will give a thief access to your paypal account (same with second chance offers).....

in fact, never even save ebay or paypal in your "favorites" on your puter - its better to type in the url each time - just in case someone gets remote access to your puter.... I've never had a problem with anything getting stolen - but have gotten spoofs and reported them right away to ebay - who follows up on them asap!