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What payment method do you recommend?

Depends on your level of paranoia. "Easiest" and most liquid are bank transfers. More freedom orientated and less liquid are Cash by Mail and US Postal Order.

I need heat during winter why not take a lottery chance One still needs heat and one chip stillnsolves the block

Bitcoin mining lottery is the only reason I might try it again. But actual mining for real sats is a fool errand with my electricity prices.

How risky is cash in the mail? Is there a max amount you'd recommend not exceeding? Or do you get insurance to mitigate risk of theft?

You should video record the packaging process, use some tamper proof bags. If issues arise with the seller hopefully you can use mediation on Bisq. https://bisq.wiki/Cash_by_Mail

This. I've done many cash buys over $500. Its my favorite way to stack.