I wouldn’t recommend keeping credit card limits low to only mitigate fraud risk - credit card companies generally will take the hit for unauthorized use, aka stolen information, and send you a new card. So keeping the limit low in an effort to make sure that if your info is stolen they’ll only be able to steal $1000 or $2000 isn’t really necessary, and only affects your ability to use credit and have a better credit score (because your % of utilization of your overall credit limit goes into your FICO).

Instead, review your purchases monthly and inform the card company of charges you didn’t make as soon as you see them.

DEBIT cards are a different story. They’re a direct link to your bank account funds and there’s no intermediary that is willing to take a hit, it’s your bank vs you, so if your debit card info (and pin) are exposed you’re much more vulnerable. So I wouldn’t recommend EVER using debit these days, there’s zero reason to, but if you have to then your advice in your OP is more appropriate.

One of the advantages of going mechanical is customization. Don’t want the LEDs at all? Remove them from your build. Even without PCB hot swapping: no one will stop you desoldering LEDs from your keyboard.

Yeah OP if you want to live the ultra elite mech keyboard life you should be totally fine with just buying something and spending a ton of time desoldering a crap load of tiny components off of it. That’s the best part about mechanical keyboards, is spending hundreds of dollars on them and then also needing to invest in a bunch of soldering gear and time to make sure you can skillfully enough disassemble electronics at the component level to not damage your newly purchased expensive device.

Took me years, but yes.

This was back in the day when you could easily source stuff to mix your own juice though. I was vaping 3ml and I stepped down 0.5ml every month until I was vaping just flavor. At that point I’d carry my vape around but use it WAY less. Eventually I’d get sick of bringing it with me and just stopped using it.

Then I’d cave again, and restart the process.

Took me a few years, but my vapes are gone and I only smoke when I’m shithoused and around a bunch of smokers, which is a maybe once every couple years event now?

I’m not sure how it would work these days. Everything is packaged, can you even mix your own nic content? Fucking big tobacco fucked up the market.

Even just switching to vaping full time is better than smoking, so get your family member one and hope for the best.