Simple fact of the matter is - don't start your listing at 99p if you're not happy to let it go for that. The only fees you'll be avoiding by starting low is an insertion fee, and more often than not these are free anyway. Final value fee is based (up to a certain value) on a percentage of the selling price.
No seller starts their listing at 99p thinking/being happy that's it's going to sell for that and eBay don't offer zero listing every week, it's maybe once a month. Last time I listed something starting at 99p the listing fees worked out at £1.48 before I'd even sold the item and then ebay take 10% of the final price and then, if your are using Paypal, there is a charge to withdraw your money to a bank account, and buyers are still surprised and upset when an item they have won, yes fairly & squarely, is withdrawn because the seller didn't get the true value.
I'd like to add that I have never done this, and yes, I have been on the receiving end and it is frustrating, but when you step back and think about it, it makes sense.