the main problem with paypal is I don't trust them. everything is automated and they have computers monitoring the 30 million accounts looking for things and certain kinds of activity. at the slightest hint of any problem they will lock your account and freeze all money and force you to send them documents like passport, utility bills, drivers license etc to prove you are who you are.
they already fucked me a few years ago and I lost $2.5k. fortunately it was donations so not my personal dollars but still not good.
Now whenever I get funds in there I spend it online as soon as possible (there's always plenty of PCBs to buy for MAME)
Usually it's empty with no accounts linked and if I need funds I donate to myself via my CC.
Doing the bank transfer means I can use it for postage and put some back into paypal from my CC if I need to and the CC gets topped up with the funds from the account so it doesn't go minus.