If you dispute the claim and she escalates for ebay to resolve, you'll lose the case and get dinged. But if you just accept the return and send the return shipping label, you won't get the ding.
Either way, you're stuck taking the return unless you can get her to close the dispute and keep the item.
Thanks, I was hoping she would respond to my message. The eBay page said I'd have to wait three days before asking eBay to step in. I wish I could talk to someone from eBay directly but they seem to have cut off their phone customer service since Covid.
ETA: I did get through to customer service and she told me the same thing you did. I started the return process. It rubs me the wrong way that I have to pay return shipping for Ms. Changed-her-mind, but that's the joy of eBay I guess.

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