I worked for Banks and Card networks for nearly 30 years in multiple jobs from filling and balancing ATMs all the way through writing software for them. I know a lot about how things work including the dark regions no one wants to go related to fraud, fake ATMs and more than I ever thought existed. And I still have no worries using my card in bank owned and operated ATMs. Yes, I know there are risks and possible card issues when using your ATM/Debit card anywhere, not just in foreign countries. So what? How else is the modern traveler supposed to get cash in a low cost, relatively safe, manner. Having an ATM card of yours used fraudulently, while not a fun situation, is not the end of the world. You do get your money back. I do refuse to ever use my debit card to make purchases because of the reduced coverage. That is what credit cards are for -- let the bank fight to get their money back when an issue occurs.
One bank I worked for, long before ATMs were on every corner of every city town and village of the world, offered employees a reduced rate when purchasing foreign currency. They took their buy and sell rate and picked a number in the middle of those figures. It did save some money when buying as well as when you sold back. Usually was a better rate than traveler checks also. Since there was no other way to get cash in those days except at currency exchange booths, it worked.
As far as getting currency before your trip, sure why not. A hundred or so in the local currency could come in handy. I have faith that my cards will work so I don't do that.
You do have foreign transaction fee free credit cards, I hope? BofA offers some nice ones. How about your BofA ATM card, what fees does it charge when used out of the US? Looking at the fee schedule for BofA it appears they charge $5 + 3% for all foreign ATM transactions even on the high dollar accounts. Seems high, especially when you can have a Capital One 360 account where the cost to use a foreign ATM is exactly ZERO. They even absorb the network fees of up to 1%.