When I first got a PayPal account...I was a Noob! I was affraid of it, because I'd heard so My charge-back storie's....that I would do the transfer thing just as soon as somebody paid Me!
Now...I don't worry about it. I try to transfer just enough to cover all My shipping cost's. I prefer to have the Money in PayPal...so when I buy something...that transaction goes thru that much faster!