Some good suggestions and well-taken warnings here. Thanks everyone.

Like I said, at some point soon, this will all be history and I'll be riding the bike without a thought to the ding. Right now, though, I just want a little peace of mind.

I'm not holding out much hope for the UPS claim. There's just no reason that I can see (aside from ethics ) for them to honor their insurance. They have the guns, the numbers, and the loopholes. I just have a ding and a complaint.

I've sent a message to the seller letting him know I'd be filing a claim with paypal and/or my cc company unless we can reach a fair deal. We'll see what comes of this. I'll keep you posted.