someone can even pay you by paypal for a pickup item(you would be really stuffed then)

PayPal offers NO BUYER PROTECTION for items that are picked up.  If a buyer wants to pay for a pickup item by PayPal because it gives them buyer protection then they are misguided.  Sellers can accept PayPal for pickup items, but my view is that pickup items should only ever be paid for with cash.  If the item isn't as described then the buyer can walk away without handing over any cash.  No claim process necessary.