Personally, I cannot remember PINs. At all. That means I can never use debit cards. If chip and pin were a thing, I guess I would have to get a tattoo or something.
It's a four digit number! How hard can they be? Set it to something memorable. Even something "insecure" like a memorable date is more secure than a signature.
If two letters of my credit card signature are distinguishable, that means I was focusing hard on it. It's basically just a squiggle.
How often do they even check it though? And of those times, how often would they refuse it? I know that pre-chip and PIN in the UK I had a card for years where the signature strip had been rubbed off, and I was never challenged on it. When I've visited the US they've also very rarely checked.
I've been using credit cards without ever signing them for about a decade, and have been questioned zero times about it.
That worked up until I was required to change it the first time, or until I was assigned a PIN.
It's a per-card setting. Issuers here in the UK default to PIN for both credit and debit, but both are available with signature for those who need it.