I've had two debit cards from two different large banks skimmed in the last five years, and both times the banks took care of it instantly.
I think the whole "no coverage if you use debit" notion is many years out of date.
Also with credit you can dispute it before you pay it. With debit you’re trying to fix it up after your paid it.
Can't emphasize this enough!
It is true that many banks do offer fraud protections on their debit cards. But those are just a choice by the bank. They can at any moment stop or withdraw those protections and then you're out of luck.
With a credit card, the protections are written into regulation, so every bank must follow them and can't change the terms.
There are enough banks in the US nowadays that cover debit fraud that any bank that doesn't do it will really stick out like a sore thumb and eventually lose their customers.
With credit card fraud it won't get to the point -- you dispute the charges before paying them back.