I've been using Paypal for 10 years with no problems...I don't keep any money in my paypal account either...since I do a lot of online purchasing, it's a decent alternative to sending a check/money order or entering my credit card or bank information...I also change my password and security information on a random basis.
If Paypal was as secure as HTC, it would be much better but...so far so good...you just have to understand the risks involved and take whatever additional precautions you can.
