> The packing tips here are utter nonsense, as well as the suggestion that you get better exchange rates with cash than with credit cards.

I was surprised on a recent trip to Europe that my (fee-free) credit card got me almost exactly the exchange rate I see on Google. Much better than ATM withdrawal with fees or any posted rate I saw in towns. Also all the internet advice about needing cash left me with lots of unspent euros and zlotys, I used apple pay almost everywhere (in fact my cash was refused in some places!) Maybe a covid-times switch away from cash, not sure.