Of the three purchases I've done using paypal f&f, the first time went fine (this was also on LAF), the second didn't arrive, and the third was so badly packed the minis were damaged.
Now if f&f is asked, I will offer to pay the extra 3.4% + 20p to cover the paypal charges. If the seller doesn't accept this, then it is not about the money, but instead it's the avoidance of the seller's accountability, and I'll step away.