99% of my Discogs transactions have been good but one guy I bought from kept telling me to buy insurance. It was odd that he was so insistent. Then when I got the record, it was literally broken in half with the cover folded in half and taped shut that way with duct tape and forced into a battered manila envelope. When I contacted the seller, he said 'I TOLD you to get insurance!' and I never heard from him again. Fortunately, it was a cheap record, but to this day, I am floored by the audacity of it.