Paypal gives a perceived protection to the buyer, this will push your auction price up.
As a seller ime you have little to fear if you describe your stuff accurately. Yes I’ve had chargebacks, but I’ve either got the money back from insurance from the courier, or received the item back. All part of doing business.
As for fees, ebay + paypal are still cheaper than going to a reputable high street auction house. Plus unless you’re talking specialist areas like fine art etc. you’ll get less than you would on ebay.