Sirius Glass
Subscriber
I don't ask for PayPal "friends and family" payment because it offers no buyer protection and people who've never dealt with me may feel put off by that.
I know how to pack fragile and expensive items and have never had an item lost or damaged in shipment. A couple of packages have gotten stuck in "mail loops" over the years, but now I check the receipt before I leave the counter to make sure the destination printed thereon matches the one on the address label, and this seems to have solved the problem.
Once in a while I'll suffer brain fade and accidentally price something below what I paid for it (most recently with a 180mm Fujinon-W LF lens). I say nothing to the buyer and honor the sale - a deal is a deal. The Fujinon was maybe a $100 lesson, but it was my mistake and I have to live with it - that's life. I know how I'd feel if I were on the opposite end of something like that.
It really comes down to common sense and treating people the way you'd like to be treated. Selling on the forums isn't a business for me, it's a way to maybe make a few bucks to help cover my photographic expenses, and to get equipment I don't need into the hands of someone who will use it.
It's also against PayPal's terms of service to require/use f&f for non-personal transactions.
One additional downside to using f&f is that you can't use PayPal shipping, since PayPal assumes there's nothing to ship when transferring money to a family member. This can become a pain when selling books online since those are best shipped using Media Mail in the US and Media Mail postage cannot be purchased online at usps.com, but can be purchased via PayPal shipping. That means standing in line at the post office to ship books and other media that were purchased using f&f, which can be avoided using a non-personal transaction and PayPal shipping. For a low-value transaction, eating the small PayPal fee is worth it to avoid the post office.
I never select "friends and family". The 3% fee is the cost of doing business and provides the money for insurance when things go bad.