Well I have PayPal account for 5 years now and I always kept money till $1000 Mark, Once it hit I cash out the money. If you follow the terms and then you will be safe with PayPal.
Probably not the best idea to post saying your currently have like $50,000 in your account because you never know whose on this thread!
I received an email from PP like last week saying there was suspicious activity blah blah but I didn't see anything on my real PP account so I didn't believe that the email was real..
Once I get up to $100 I transfer it to my bank account and spend it. I never keep more than that in paypal.