I would not send a cheque to anyone. There is no recourse, like you said. That seller really needs to set up her paypal again, I don't see anyone buying from her. That is SO SO SO dangerous and the first rule of interent buying- never said a cheque first. You may "think" she is legit, but how do you know? NO NO NO!!!!
If she is a serious seller, she will give people secure options. What a great scam...send me your cheque, I will send you or jewlery once the cheque clears.... NO!
Joseph Schubach Jewelers