Stephanie,
I have always had good experience with domain names I bought, that is perhaps because I bought from people I know. When you are buying a parked domain name through one or the large parking website, there is virtually no risk at all, the domain will be transferred to you once payment is received.
If you are buying from and individual you do know, the best way to proceed is via escrow services. I don't thing .net version of your domain name is worth buying but the .com is, if its reasonably priced.
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