Very interesting to read in this thread other people's attitudes and behaviors.
Just two general comments, not suggestions: first, it is my experience that PayPal uses two factor authorization. Whenever I use it a six digit code that is sent to me is required before I can complete the log in. Second, and this may not really matter to you, if your credit card gives you points, mileage or cash rebates, using a third-party payer (like ApplePay or PayPal) may not get you the perk on those credit card charges. Read your card's fine print.
