I've been living abroad in a dozen different countries for years, and I use credit card for most daily transactions, since I'm not charged a fee, and the exchange rates are competitive.
When it comes to cash, I just pay the $5 ATM fee. When I visit an ATM, I pull out at least a few hundred dollars in cash, leave the majority at home, and carry what I need.
Groceries are by credit card, rent is online, so my only cash expenses are street food, going out to pubs, and other minor things. Therefore, let's say I take out a few hundred dollars a month. That's a $5 fee per month, or $60 per year. In my opinion, that's incredibly cheap, and I get the freedom to use any ATM for my cash withdrawals on my travels.
When it comes to cash, I just pay the $5 ATM fee. When I visit an ATM, I pull out at least a few hundred dollars in cash, leave the majority at home, and carry what I need.
Groceries are by credit card, rent is online, so my only cash expenses are street food, going out to pubs, and other minor things. Therefore, let's say I take out a few hundred dollars a month. That's a $5 fee per month, or $60 per year. In my opinion, that's incredibly cheap, and I get the freedom to use any ATM for my cash withdrawals on my travels.