Well, I’m on my first solo trip and I spent a lot of time trying to make things as simple as possible.
One shortcoming for me is pulling cash/credit cards out of my neck pouch or belt bag.
It was a big leap of faith for me to load a credit card to the Wallet on my phone but holy cow am I glad I did it!
I’ve been in Spain for 4 days and have not had to pull out a card to pay for anything. The tap with the phone is so fast and so easy! I love it. I have no idea why I was so stubborn about trying it out!!
Some of the trusted posters here convinced me to try it - so a huge thank you!!