I suspect some people state at buyers risk in recognition of the fact that no matter how well they pack the item, the compensation on a larger item is limited to £100 (e.g. a rifle via PF48). So there is a small risk of damage/loss putting someone out of pocket. But in the eyes of the law it is the seller who would have to take that loss, unless mutually agreed before the sale. As mentioned the true risk is very low, unless it was inadequately packed in the first place. If the item was worth way over the compensation limit I would look into a F2F (within say 50 miles), if further maybe a half way meet or even maybe RFD-RFD subject to cost/compensation limits. I would not usually travel much further because a punchure could cost a ton, plus fuel and time. Going for one collection ended up with someone writing off my car - so no bargain that day! Can work out well if you can tie it in with existing travel to a nearby area.