I’m same as OP, other than not having a special stash of $2s.
Cash is for emergencies only. There’s a bigger stash at home for a zombie apocalypse (post-hurricane widespread long-term power outage really), a smaller stash in the car for buying emergency car repairs on the interstate, and a hundred-ish worth in my wallet for CC problems while traveling/working. And I carry multiple CCs to further reduce that latter risk.