you roll the dice a little ordering online, but i've only lost one order so far out of well over a dozen, and even then, i'm inclined to think it was doc's fault as he has a rep for sticking it to US customers these days. when i told him about my lost $120 order, i got nothing for my trouble despite several previous orders.
the WORST that should happen would be that your seeds get yoked and you get an it sucks to be you letter unless you order a ton of seeds making you look high profile.
once you get that first order in the mail and remember what christmas mornings used to be like, you'll relax a little. just about everyone here gets their beans online or through mail orders. if you're really worried, make small single orders with cheap strains, or buy from a bank you can buy insurance from like attitude.
WHATEVER you do, don't go telling friends or family shit! then you'll find out who'll steal shit from you at a moment's notice. i bet at least a couple people that have lost beans have told the wrong person who knows you're not going to report your shit stolen.