You should avoid Finalising Early at all! There are plenty of reputable vendors that accept new buyers and do not require FE. Once you leave the protection of the escrow system, there is nothing that Silk Road can do to help in the event that something goes wrong. Do your research about vendors on the forums, ensure you learn how to use PGP, maybe send them a message or two inquiring about their 'new buyer policies' (if it's not already stated on their profile page), and when you feel comfortable enough go ahead and place an order. But do NOT leave the safety of the escrow system until you have your order in your hands and are 100% satisfied with it! Libertas