I'm not worried about the buyer having buyer protection - I'm worried about ME not haivng protection if the item goes astray - if the buyer pays by paypal and the item is just regular post - and she makes a claim - I lose all my money inc;luding the postage fee - isn't that right?

If she pays by bank deposit - then she has no protection - and I'm willing to send by the cheaper postage - if the item goes astray - then that's the buyers risk not mine