I don't keep ANY money in my Paypal account and I've seen others here say the same thing.  As soon as someone makes a payment, I withdraw to my bank account immedidately (Paypal don't charge for doing this) ..... not having Paypal take advantage of my funds when they already take a % of my sale when I've done all the hard labour of listing.

If I need to do a partial refund for overcharged postage, the amount is taken from my bank account.

If I need to pay for something with Paypal, then I have a choice whether it comes from my bank account (depending on balance at the time) or my credit card.

There were a few hiccups over the weekend with Paypal payments not showing in my account, however, they eventually appeared at which time, I transferred immediately to my bank account.