I think RM48 is still viable, 95% of the time I get full tracking, on the off chance I don’t and a claim is filed for non delivery, I can claim back the loss from RM up to the value of £150.
Also at least eBay has told us with some notice.
Tiktok and another site didn't tell me that they had changed their terms to only payout upon delivery which meant that I had around £1k worth of stuff that was unpaid until they saw sense and paid me.