[king_of_goats]

I see literally no benefit to challenging the disputes, assuming you don't care about getting the money back and would rather not waste the time/energy on the challenge process.

The ONLY thing I might be getting wrong in my case is this: Perhaps Stripe has some kind of "internal monitoring" metrics that tracks how users respond to disputes, and maybe there's some kind of "accept vs. challenge" ratio they use to assess account standing and risk likelihood. If that is the case, my assumptions may be wrong here and this may be the wrong strategy. Would love to hear input from somebody at Stripe on this question. Wasn't the Stripe cofounder crawling around on this site last week answering some questions? Where's he at now? lol