That is one of the main issues - I can send them for around $6 without seller protection, and keep myself somewhat price-competitive, or I can send them for $20-$25 and qualify for seller protection, if the items are delivered, but be a considerably more unattractive option.   I honestly don't have a problem refunding for lost parcels, but there are some things I do have a problem with and they seem to occur with higher frequency on eBay.    Coincidentally, I have just recently received an inquiry from a buyer in the US - y do u not send to the us for - as the sole content of that inquiry, it doesn't exactly fill me with confidence. :8}

Postage stars are another issue, as an overseas buyer paying upto $25 for something under 500g may mark you down for that. If you don't mind about the occasional postage markdown, I would add the option for overseas. At the least, test it on one or two listings. Put something in the description to address any possible concerns and only sell to countries that you feel comfortable with. Of course, for high-priced clothing items, you can also test out adding $10 onto the cost and taking it off the overseas postage cost, as an incentive.