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check the seller's feedback. if it's mainly positive, it should be fine. be wary of any sellers with a recent string of negative feedback as well.
as for the eBay email stating:
"It is unsafe to purchase such an item through a transaction that is not on our site. You will lose the benefit of eBay's purchase protection programs, and run the risk of losing your money."
since the beginning of time, people have engaged in transactions. they're no more safe now that eBay is involved, you can still get ripped off. eBay just wants their cut of the sale.
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Discogs: FOR SALE!
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