I used to change it willy nilly but haven't since we got our first chargeback via Paypal. I don't care if it's a $10 item or a $2000 item. No deal. 

Now I send them a lovely message saying that due to Paypal rules, I can only send to the address on the payment. I give them the option of sending it to that address, or refund / cancelling and they can redo. 

8/10 come back and tell me just to ship it to the same address