I too am a long time Paypal user (only as a buyer) and never had a dispute with them or a seller so far. However even though I'm a 'validated' member, with an attached back account, I always select my visa card as the payment method assuming that gives me another way to dispute transactions as I've never had a problem getting my CC company to return my money when I dispute other problems I've had with CC transactions. But again as I said I've yet to have a paypal problem with a seller yet, but that might just be luck. That is not to say I haven't suffered from 'buyers remorse' on buying something on impulse that later wished I hadn't. 
Lefty