I probably lose a lot of bidders because I insist on shipping any item overseas with Tracking via Priority etc. As Paypal will quote you every time, 'insurance is for the 'sellers' protection, not the buyer'. Towards that end I let all buyers overseas that insurance/tracking are mandatory.
Its tough to sell on Ebay without paypal, they have the lockdown essentially. I think fondly of the days when I would have a few money orders in my mailbox :-) And yes, in Ebay/Paypal's eyes, you as a seller are guilty of 'ripping people off' till either the buyer lets you off the hook/gets the item/wants to return it.
No return policy? Forget it! Any buyer can come up with the flimsiest of excuses to avoid that, I have offered to send ebay images/video and even the actual item itself but they don't want to get involved, they'll just refund the buyer and you have to beg to get the fees they ripped you for in the process. Ahhh Fun Times!! :-)