I buy most of my gear used through eBay. In over 200 ebay transactions as a buyer, not all camera gear, I've had only 1 case where the item, a lens, was defective but the buyer took it back with no problem. I did also buy a softbox grid from China that was about 2" short in every dimension, but it only cost $12 and the seller refunded $4. I've bought around 15 lenses, 4 cameras, 3 flashes, lighting and backdrop equipment, through ebay. I've also turned around and re-sold many of those items for the about the same price I paid for them. I've saved thousands, even made money on some items. If I lost money on a disputed transaction, I would still be very far ahead in the game.