Considering switching to a business account now with all the talk of new buying fees. What would the fees be for the buyer and seller on a £2 item for a private seller vs. a business seller? (Example included)

Am I right in thinking it's;

Private
£2 item
£0.75 protection fee + 4% (£0.08)
Buyer pays £2.83
Seller gets £2
- minus any promoted/ad fees

TLDR Buyer sees an inflated £2.83 and you get ~£2

Business
£2 item
FREE protection fee
Buyer pays £2
Seller gets £2
- minus any promoted/ad fees
- minus listing % (e.g collectables is 10.9%, £0.22)
*(10p if under £10, 30p if over £10 in collectables category)

TLDR Buyer sees £2 and you get ~£1.68 (£1.90 if in collectables category)

EDIT: Updated to include listing fees for business seller