TC's are a large pain in the . . .
Since an ATM came to the island, I've only arrived with cash and my ATM card. I'm happier for it.
All that said, I'm not particularly happy when I see the transaction charges on my bank statement . .but then I was even more unhappy when I would return with TC's and change them into cash. I had to pay to buy them and then pay more to cash them in back at home.
Yes, carrying cash and my ATM card is the way to go for me.