You have much less protection from credit card fraud with a debit card compared to a credit card.
Not if you keep your balance under a thousand. If someone rips me off out of a grand, so be it. It's well worth the cost to me knowing I can't charge my way back into debt. When I was doing my Christmas shopping I came across a lot of cool stuff I would have bought on impulse if I had my old cards. Now I can't go down that road.