The only reason, IMO, to use PayPal is for safety. It removes your credit card from direct access on the internet.
I keep a separate debit card (Visa) for online purchases in an account with a low balance, so that if it is breached, they won’t get much. My bank also covers any fraudulent debit card charges, so there’s really no risk. I keep the account at around the same amount all the time & replenish when necessary. It’s separate from my regular checking/savings - in fact at a different bank. The bank notified me once of a possible fraudulent charge in the 10yrs I’ve been doing this. It’s worked well for me and I never have to worry about someone trying to charge thousands of dollars on the card, cuz there isn’t that much in the account to begin with. ; )