If you want to be protected pay the 4%. Most people here appear to be trustworthy, and I'm sure most of us are, but I rather be safe than sorry. Most of my purchases are X-metals, and I rather pay $16 on a $400 purchase than suffer for a few days. Moreover, many sellers/traders here are outside of the USA, so if you make a purchase from someone in Europe, and you do F&F, Paypal will not charge them any fee, but they will charge the buyer almost the same amount that you would've paid without F&F adding 4%, with the difference that without F&F you would've been protected. Honestly, I would rather pay the 4% and be safe. There are only 2 people in here with which I have become good friends and only with them I will do F&F. With all the others, as much as I sympathize with you, I'm paying 4%. When you buy from me or from anyone I will encourage you to pay the 4%, if seller requires to do so. If he/she doesn't mention it, then pay the price agreed and let the seller eat the fee.