"I think that sweating over exchange rates is a total waste of time and energy. The difference is a few percent."

If your trip is just two weeks, every couple of years, I tend to agree. My trips start at two months, so the expenditure of time and energy would definitely be worthwhile, except that since I opened accounts with Capital One it takes zero time and energy.

If your name is Bill Gates, $150 is no big deal. If you name is xyz123, it is a big deal especially when there is no need to spend it.

But I suppose there are all sorts of view points betwixt and between, eh.