Cublover, you obviously do a lot of business online. For those of us who do very little (like me) anything out of the ordinary makes us second guess what we are doing. Please keep in mind that SOP for someone who does this daily is much different than SOP for those who do it yearly. So while your ratings might ease my mind some, I would personally not do it unless it was PayPal where there was some other sort of protection. So rant away if you must, but you did ask the question.
David