You will never lose your money if you make a dummy paypal have it sent there and then transfer it to your main paypal right away.
If they chargeback junk that dummy and make a new one for people afraid to deal with paypal it's not that hard, quit making people go get MP and just do it like this.
It's common sense when you think about it, I've never once lost money Via charge-back doing this So I'd say its the best thing to do if you're planning on holding on to your funds.