am a cautious one ...
have always used HiLo as i like the privacy of the "little room" but everyone know why u in that line so normally there is a "trusted person" close by
have never used debit ... i get "itchy" with my numbers "out there"
i carry US cash and travel checks....never in my back pocket. sure there may be a safe but people lose keys to safes. establishments "supposed" to change locks but dunno if this happens. i care not to b in a situation without some $
don't know if it helps anything other than my peace of mind but i notify my bank that i will b in jamaica and will call them if i am going to make big transactions. i also make a copy of credit cards w/contact numbers.....never had a need for it but i enjoy the peace of mind it brings if i did have to make a call.