That is something that really sucks with digital good selling with Paypal as the payment gateway. They get my digital goods and then chargebacks or claims a refund. I don't want to get in with irritants, so I refund them but they get the download.
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Has this been an actual problem for you?
I decided to skip the chargeback shenanigans by offering my customers a no-questions-asked money back policy. So far, less than 1% of my customers have asked for a refund. I suspect that those who want to get my product for free will simply torrent it rather than weasel around with chargebacks/refunds.
Well, it's less about the money and more about the irritating attitude. Yes, I just refund them and find it to be easier to deal with than anything else.