I got some helpful comments after my last journal, so I thought I'd post again and share it with you all. I understand that some people know this already, but a fair amount of people don't know about it, so please just bear with me, okay?
It looks like if a buyer doesn't choose the correct option regarding the need for an address, the seller can go in and edit the tracking info, and mark the transaction as completed, as in the desired service was provided. So, it'll still be really nice if buyer's double check that they have the correct option chosen, but it seems I won't have to refund people that do it incorrectly, as I can edit that myself later. Here is another screen grab showing the menus themselves: Link
Hooray for learning.