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Feel free to wait, you're not physically required to pay right away, but you may lose the item in the process. Immediate Payment Required means that the listing does not end until AFTER you have paid for it. If you "Buy" an item with IPR and don't pay right away, someone else could still come along and buy it and if they pay right away, they get it and you don't. BUT, as I said, there is no actual requirement that you pay immediately so much as it is that you don't actually "win" the item until you pay. Oh, and since NO seller would ever agree to give up the benefit of having listings with IPR, you can forget that idea gaining any traction.
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