Is your paypal account aged and passed through all the verifications and re-verifications?
Is your account getting ins and outs of money? Like regular cash flow?
If not on both above, best to withdraw your money to bank account, AND THEN remove the bank account.
I noticed that when a person refunds, paypal will take away your paypal balance, and if it's not enough, it will take from your card or bank account.
But if you don't have any, Paypal will eventually side you. Paypal won't bother with the other person's loss, so long as nothing is taken from them. Don't expect paypal to pay the complainant's refund, nah-ah, so if you don't have any funds or backup funds, they literally can't do anything to the person opening the dispute.