I don't think you are out of your head BUT the ROL should be something explicitly agreed to as part of the deal. I've done quite a few deals as buyer and seller here on a'gon and have had my share of damaged goods.
I've tended to go with the buyer having ROL if the packaging is original and the seller didn't do something obviously stupid. This is whether I'm seller or buyer. While the shipper is the insured, the Buyer, (the receiver) is the one who needs to deal with the freight company inspecting the damage. If the unit needs to go for repair, it will be shipped back to the buyer
Fortunately, in my case, the out of pocket cost to repair the damage has never been more than about 10% of the purchase price.
I've tended to go with the buyer having ROL if the packaging is original and the seller didn't do something obviously stupid. This is whether I'm seller or buyer. While the shipper is the insured, the Buyer, (the receiver) is the one who needs to deal with the freight company inspecting the damage. If the unit needs to go for repair, it will be shipped back to the buyer
Fortunately, in my case, the out of pocket cost to repair the damage has never been more than about 10% of the purchase price.