This is a huge risk for the person selling you the BTC. What is preventing you from charging back?
There's still a risk of course. I can't argue with that or I would ask for 1:1. But it's very far from a huge risk.
First I'll send funds from my account and not from credit cards.
I'll send as gift or to friends/family or anything at your choice to reduce risk.
And I'll give you enough time to cashout from paypal to your bank or spend the funds.
If you have other condition let me know.