^ Thanks; that's good to know! Well, at the least, the bank can help facilitate all of the particulars if a refund is necessary. I have only needed to do this twice, and, in each case, I noted the circumstances to my bank on a short form and they took care of everything. In both cases, I had my money returned within a day. It probably helps to have the weight of a huge (multi)national corporation pushing the paper...
In any event, as I mentioned previously, the buyer protections offered by PayPal (G & S) are useful, even if it costs a little extra.