the best way to be safe is to have a paypal only bank account.
find a bank that allows you to have a low minimum balance on an account (ie, 25-100) to maintain it open.
make that your primary bank linked to paypal.
don't ever keep more than the minimum in it.
pull the funds from paypal to this account
then from this account to your real account, leaving just the min balance there.
the most you can get screwed is your minimum blanace.