eBay....Again....WWYD?

So I sold 2 items to some guy on eBay.  He contacted me twice to get an Invoice.....the 1st time he said ship to China, the 2nd time he said ship to somewhere in NY.
So he pays me and the Paypal page says the shipping address & the place I should ship these items is CA!

Now if I don't ship to the CA address(User is telling me to ship to the NY address and the shipping quote is for that location), and then this guy turns out to be a scammer and does a chargeback on me through his cc company, I have NO Seller protection through eBay.  This means he gets my items, I get the payment yanked by eBay from my account PLUS a chargeback fee eBay will charge me and I will have no recourse....I lose my items, I don't get paid for them plus I lose $10 of my own money.
(I was part of a serial scammers game a few years ago.  He bought lots of things off of lots of sellers and a month later told his bank he didn't buy any of the items and the bank & eBay yanked all the payments through Paypal. At least this guy's shipping address and Paypal address matched up so I did end up getting the chargeback reversed and my payment back.)

And this User just joined eBay on April 9th, bought some thing from someone else on April 11th, so they have no track record for me to refer to or take comfort in the fact that they have a history as an upstanding eBay member.

So if I decide this isn't worth the potential trouble and I cancel the transaction and refund his money, I can get back the $ eBay/Paypal take for letting me sell it.  I will be out .40¢ for the listing fees and then this guy can leave me negative feedback.

I wouldn't be so concerned if this was a $10 item, but it's just shy of $100 worth of stuff!  So my scammer radar went off...lol

So.....what would you do if you were me?

Sluggy