First of all, p2p that includes bank details is a huge mistake, but sometimes it is only the option for some, then the reviews are there for a reason, generally many do not read them, but it is not necessary, you just have to check that their feedback is 100% positive, there should not be one against and if there is one or two in more than 10k transactions, that is what I accept in my case.
OP, You have to do p2p without rushing and/or emergencies, also avoid high percentages. OP, the users with many transfers and zero negative feedback exist, what is the need to look for problematic users, of course these users usually offer a better percentage, but that is the "cebo".
Yep - those who have big trust scores are not interested in breaking their rep and getting banned, in my opinion.
Especially if the person was around for years.