When I sell, I accept Paypal - it's convenient 
for me, I get my money faster and it's *very* 
safe for both the buyer and the seller.  Do I try 
to pass on fees to the purchaser?  No.  Reason is 
just like you said - people who can pay for it by 
credit card DO tend to spend more money (myself 
included... unfortunately for my wallet. ;)  Do I 
pay the sellers fees when I bid?  No. :P 

At least most of the people who pass along their 
fees are usually VERY easy to spot. ;P   Most of 
them realize that ebay does look for sellers who 
try to pass along surcharges. They usually have 
something to the effect of "email me before 
bidding when paying by Paypal" instead of 
outright stating "purchasers must pay fees" :P 

In any case, if you are worrying about 2.5% being 
lost to Paypal .... I think its time to take a 
break from buying for a while so your checking 
account can recover.  Just a thought. ;P