I agree with your comment about buyers returning items because of remorse or because they failed to read your listing; those buyers will go as far as reporting it as 'item not as described', and when you prove to eBay that it is as described they still want you to issue a refund. I understand the position that eBay is in when they must appease both buyers and sellers; they figure that if you get your item back and the buyer gets their money back then all should be well. What I don't agree with, is the fact that because that buyer filed a report (although proven false) it still counts against you when they rate your 'Top Rated' performance. Luckily, those buyers with remorse are few and far between, so chalk it up to the pros and cons of doing business and don't spend the money until after the time that you state on your return policy has expired.