I want to pay for a high ticket item that I won on eBay. Although I always made it a rule to use credit card for payment, this time in order to reach the negotiated price, I agreed not to use Paypal credit card. I have two choices of payment, by Paypal eCheck or personal check. Which one provides better protection in case there is a problem with the merchandise (e.g. fake or item not as described or item not recieved)?