You are allowed to have two accounts (this is even officially recommended by PayPal), one with micropayments and the other with normal payments; as you know the amount of money being requested before transferring the user to PayPal, you can use the two accounts to get the best possible rate in all cases.
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One point: the Paypal micropayments tariff level makes sense for stuff under about $12 or thereabouts. For prices above that, it is actually worse.
But yes, Stripe matching the micropayments levels would be kinda neat.
You are allowed to have two accounts (this is even officially recommended by PayPal), one with micropayments and the other with normal payments; as you know the amount of money being requested before transferring the user to PayPal, you can use the two accounts to get the best possible rate in all cases.