Yeah, been there, done that, made out ok. Bought a 32gb SDHC on eBay for $20 shipped, used Paypal. Got it, used h2testw to verify, found it was only 8gb. Instantly contacted seller, told him he could replace under return policy, or I would leave bad feedback (he had stellar feedback, I don't think anyone was checking cards). At first he was going to replace, then we decided for him to just refund my money, and I wouldn't leave bad feedback. I got an 8gb SD for free, but I'm sure it has turned out worse for some others.I would def meet CL people at coffee shop and verify the card before exchanging money. Still no thoughts on load times I mentioned above?