I've truly never understood how it's convenient to use one payment method vs another. We set up room charging less than 50% of the time and spending has the same level of ease either way.
What I love about the MB is that I'm sure to have with me what I need, always. It happened to me in the past that I was at the pool and I didn't have my wallet because I wasn't planning to buy anything but then I wanted something. Or that I forgot the room key inside the room. Or I left a FP in the room after an afternoon break. I know, I could just pay more attention, and I should, but that easy of mind I get now when I get at WDW is priceless.