Just found this out today, pretty lame. My gf had to send me some money and I was docked fees even though both of us are personal/bank transfer. Found it out after trawling through the web. Emailed them prior to that, of course, no response after 5 days. I like how their legal terms state that they can make amendments on the web page and no mention of notice via email etc--I certainly never got any.
In terms of sales on here, I guess 'Commercial' transactions will have to be chosen to avail of Seller protection. However, as I understand, protection is rather weak out of eBay transactions anyways so I think I'll probably go by feedback on here, if it's good, just going to use 'Personal'. I should really go though their 'ToS'.
And in terms of sending items to people overseas where in some places there's no protection, there's really no point/benefit in using anything other than 'Personal' transaction.