Wow. I don't think I'll be buying from Chinese sellers on ebay! I agree that for sellers with large volue (tens of thousands of sales) 97 or 98 percent gives me pause and it's worth reading some of the complaints.
Anything that says will ship in 45 days and they charge your CC right away is past the 30 days you have to complain. I've only had one bad experience on ebay and I got a refund pretty easily. I've sold a few things on ebay I only had one incident where a package didn't arrive and I was able to resolve the issue with the buyer by providing a different iteam and I tossed in an extra item that was of low enough value to not really be sellable on ebay.