Some European countries are more into cards than others. In scandinavia it would be more than fine, Sweden is basically cashless anyway! But I was recently in Sardinia and very few places accepted card. Also quite a lot of places in Germany you wouldn’t be able to use your card. I’m not sure how this helps other to make things more complex, but I guess for these reasons option 3 makes most sense, because then you can save your cash withdrawals for when you go to countries where you need it most! Although I also think it could be an annual allowance so you could save it up for your holidays (unless you are lucky enough to go on holiday every month!) - but keeping track of it then could be harder?