Online it will be PayPal goods and services, every time. I will happily pay the extra 3% fee.
If I can turn up to someone's house with cash for an item and see it works etc, then that's fine. I also know where they live (for certain)....😉
My location tends to limit my ability to buy in person though.
PayPal goods and services can be abused by the buyer too. I did my first purchase here with a member, and we used this method. We did a lot of back and forth conversation though.