Thanks for all these - really appreciate it!

And yeah, would never even THINK about using a debit card except for getting cash from an ATM.

My bank reimburses me for ATM fees so I'm not worried about those. I just got the Apple Card as my new backup card (which doesn't have any recurring payments attached to it) and it doesn't have international transaction fees. I didn't initially opt for the physical card but based on above I think I may get one.

This has been really helpful - thanks so much for all the replies!