Why would you give a buyer that long? if they are going to pay then they will usually do so within 4 days or as soon as you open a dispute after the 4 days, unless a buyer contacts me and asks for an later payment date it is reminder day 3 and dispute day 4. I have never to date had a buyer leave me a neg in the time after I have opened a dispute, the vast majority just pay up, some with an apology, some without.

I never let feedback influence how I do things especially if it means me losing any money just to try and avoid it.