Auction terms - how much should be said?

I have read in at least a few places, including a book about ebay selling I own, that the auction terms section should be as short and to the point as possible and without sounding overly serious. I originally had a large paragraph in my listings but after reading these articles I edited it down to a much shorter one and a half lines. One article I read said 10 words is ideal, and 20 words is the absolute maximum you should have in your auction terms. Mine is still well over 20 words.

But yet, I noticed the majority of sellers have FAR more than just 20 words and actually most have a fairly large terms section with everything spelled out.

Which way is right or is in the middle the best?
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