The protection thing runs both ways... You will usually lose chargebacks but you will win item not received/not as described disputes filed with Paypal every time. But if you're doing 30K a month why are you with PayPal??? Get a merchant account and you will pay much less for processing.

I have NEVER won a chargeback. When I used paypal I just treated it as a cost of business. The problem is they dominate the market. I had two payment options, Paypal and Googlecheckout... people preferred paypal 10 to 1. There's pros and cons, and that massive gap in people's preference of payment system was worth more than the chargebacks.