Actually no, transfering coins via IP address isn’t encrypted. When you transfer coins to an IP, the recipient creates a new address just for that transaction and tells you to transfer coins to that address. A malicious exit node could sniff all Bitcoin traffic and intercept those transactions easily.
So for everyone: DO NOT USE IP ADDRESSES AS DESTINATIONS, ALWAYS USE BITCOIN ADDRESSES.
That’s not “for everyone”, but for those up to buy or sell some stuff more… strange. I believe the core aim of BC is to be an easy to carry non-centralized currency, anonimity is a surplus not a mandatory field. Otherwise we would rather call it TorPay. So, unless the transaction is for the a new pedo movie, some crack shipment or some stuff alike, there’s no reason to use Tor, and therefore no exit nodes and no proxies. In the end trimming your advice: If you’re up to make a “non conventional” payment over Tor, use the destination’s BC Address, if you’re buying or selling something normal, use IP or BC address. Wink
Then we’ve the eternal ballance: Usability x Security. Too much security = too few usability (the most secure computer in the planet is… anyone since it’s switched off) and too much usability = too few security. Ballance is better than paranoia. Wink