Its not an option to tune/re-string a floyd on stage.Its a good idea to have a backup for each main guitar if you play songs in alternate tunings.I dont mean A+ wallet busting guitars...just somthing to make it through the set(it would be tough laying down your best axe for a kramer focus).
As for ebay,I would make use of the escrow thing if for some reason I couldnt use my check card.All and all,Ebay seems just as safe as shopping anywhere else online.Sounds like just bad luck with your girlfriends experience.
Try once,fail twice...