Nice thought but optional buyer protection is not going to happen.

The Buyer Protection Fee (BPF) was, effectively, introduced as a replacement to seller commission on private accounts, allbeit at a lower rate, thereby shifting eBay's income from seller to buyer. In any event the BPF is something of a misnomer in that a buyer is already protected by eBay's Money Back Guarantee and so does not actually need 'Buyer Protection'.

To allow buyers to opt out of BPF in certain circumstances would only reduce eBay's income. It would make no real difference to either buyers or sellers, other than perhaps prevent buyers from claiming an item sent using Simple Delivery 'arrived damaged' and receiving a refund from eBay and keeping the item whilst the seller keeps the original payment.

BPF and SD only applies to sellers registered as Private accounts. And with respect, @ezzie58 , for a seller with such a wide range of new and used items, including clothing ranging in size from 32" to 52" and footwear ranging in size from 5 to 9, the use of a Private account looks, at best, questionable.