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I feel for ya.
Here is the guranteed to cover your *** on eBay/Paypal.
First, Paypal protection is bullshyte, and a joke.
However, Amex protection is good. (Visa, MC and Discover are a lame, however.)
So basically register you Amex in your PayPal account.
Always keep your PayPal balance at zero. (if you have even a cent in the account, transfer it out.).
When using eBay, always pay by Paypal. When asked to funding source, choose your Amex, not you bank account.
This way, the full charge shows up on your Amex, and can be disputed easily.
I have had issues with deadbeats before, and Amex always saves the day.
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