Hi,
I am a seller and buyer on ebay. This is the easiest way to do it since you cannot ask buyers to pay your fee's because it is against the rules and will get you suspended:)
I have the fee's worked in somehow in either the shipping or the auction starting price. Of course I dont know how much it will actually be but at least I try to cover my ebay fee's and some of the paypal fee's (My shipping is not very high at all, unfortunatley I lose money sometimes.)
For big ticket items I ask for it to be either sent in a certified bank check, money order or cashiers check. I have also seen members have "Will accept paypal with auctions totalling over $XX.XX" that way they are out less fee's. One thing I clearly state is, I will only combine shipping if they email me first and pay for all auctions at 1 time or else they will lose that extra shipping savings to the fee's paypal eats.
I only have 1 paypal account now, thought of opening a personal one as well. I never keep money in there though, too many people who get hacked
Much luck with your ebay!