I’m the same as you, I use the card almost every single day, but I don’t use it for direct debits or income as of yet due to the reasons I mentioned here.
Now that I have started using monzo, I can’t see myself ever turning back to a legacy bank as a day-to-day account. Primarily, the avoidance of the ridiculous actual balance vs available balance and simplicity of the app are my main reasons for it being my everyday bank. Most of the features that monzo is yet to implement are features that I rarely or never use anyway, or that none of my other banks offer themselves.
I actually have 5 bank accounts now that I have monzo, Santander being my graduate account (which I intend to close after I pay off the overdraft), a Natwest account which I pay £10 a month for (just for the Select Silver benefits) and use for food shopping only (shared with my partner), Halifax for direct debits and salary as I am rewarded for doing so, although the reward has recently been reduced 
- typical - so will likely close it if monzo implement my reasons for it not being my main billing and income account. And finally a Savings account with Yorkshire Bank that I have had since I was 16 (worst banking systems I’ve ever come across) which I will be shortly closing thanks to the introduction of Pots - the interest rate is next to nothing anyway. I hate all of the banks I’ve ever used for their poor online banking and apps - I merely like my Natwest account for the benefits I pay for.