if you review your monthly statement, the "risk" is the possible inconvenience of having your card replaced. I don't let it stop me from ordering my favorite takeout, but you do you.
I guess someone could probably treat themselves to their own monthly takeout order without me noticing for a while, but at least to me, this minuscule risk does not seem worth the mitigations you are taking.
Furthermore, many people use debit cards backed by an actual bank account and the vast majority of people can't afford to have those drained in any meaningful fashion without experiencing some severe consequences.
And thirdly, when the equifax breach happened I didn't bother doing anything. Why? Because I do NOT have the attitude that it's ok to be defrauded of money since someone else will pay for it. There was nothing for them to go after.