I wouldn’t dream of making a large purchase without section 75.
I went #fullmonzo because the “extras” I got from HSBC (in exchange for a monthly account fee) weren’t of any value to me.
Monzo offers a level of convenience that simply wasn’t there with HSBC. The HSBC Android app was updated last year, and was massively improved, but still not enough to keep me at the bank I’d been with since graduating 25 years ago.
And Monzo don’t launder money for drugs cartels. There was a moral component to the decision.
I still have an ISA and savings account at a high street bank, moving them needs a bit more inertia than using the current account switch service.
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Just persuaded my other half to go #FullMonzo! 
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I would get rid of my halifax ultimate reward if the Monzo started offering the same type of package.
Im happy to pay halifax £17 a month so id pay Monzo the same too