Brian, I have bought both refurb and used from individuals on eBay. In fact most of my UW camera gear is off eBay. When buying from an individual, the one question is ask is the number of shutter releases. Take a pic and look at the EXIF data. Depending upon the camera, the number of shutter releases is listed. The less the better. I have bought Oly, Canon, Nikon, Nikonos, Sony, Inon, Sea & Sea…all off eBay as well as various housings, strobes, arms, etc. Never had a bad deal. I try to get the best deal for the least cash as the loss from a flood is minimized and I can often buy two used bodies for the price of a single new camera.