Meh, I’ve been giving out my credit card number willy nilly to merchants for 20+ years, and it hasn’t been used without my authorization over the course of what must be tens of thousands of transactions.

I have a text alert setup for transactions, so I presume I’d be able to successfully challenge any fraudulent ones pretty quickly.

Me too. Interestingly my card has only been fraudulently used after I gave it to a waiter at a high-end restaurant, and at a gas pump in a small town that didn't have tap-to-pay.