Simple delivery

I understand , if I sell an item for less than £10 , and if the item weighs less than 100g , I can then avoid SD and post using RM economy.  Ok, I list an item for £3.99  with free postage and the item is bid, say up to £10.05, do I then have to use Simple Delivery  at £2.70 . If it sold at £9.99  , I could use RM economy at £0.90,  then wait 14 days for eBay to release my money. No wonder I have given up , not bothered since they introduced BPF.

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