Family from my mother’s side, residing in England, has been visiting us every year since forever. My aunt and uncle were born and brought up in Bombay, but my little cousins are pukka Brits. They usually come down in December, and stay for upto a month at a time.
They all get themselves vaccinated against Malaria and Hepatitis A, B and C before coming down. For the children, they usually bring along vitamin supplements (not sure why, but they do). They use only bottled water for drinking and brushing and ice. They don’t eat or drink anything from a roadside stall, no matter how good it might look, smell or taste. They very politely refuse any uncooked food when they go visit other friends and relatives. Bug repellent is always handy.
In over 20 visits, not once has any member of that family fallen ill.
Moral of the story: Be careful, but don’t necessarily overdo it.
Drugs (of the medicinal variety :p) in India are indeed inexpensive, and almost anything you get in the US, you’ll get here - it’ll be called something else though. You won’t really need to stock up before coming down.
Regarding ATMs, don’t worry too much about it. Almost all banks employ security at every machine. They ensure that no beggars or suspicious characters hang around nearby. Encashing a travellers cheque used to be a major hassle earlier, but not so much anymore - it usually doesn’t take more than 10 minutes, last I did it. Avoid national banks if you can though - their queues tend to be longer.
sunfish, dhaba food is the best ever!! I recently went on a holiday touring the northern state of Himachal Pradesh. I was on the road a lot, and made efforts to time meals with a stop at one. I’d do that road trip again just for the food!
And cornflankes with hot milk?? UUGH!!
Milk in India usually is pasteurised, and most households will do it again at home just to make sure. So even if you are served cold milk, in all likelyhood, it is safe. Going by my cousin’s experiences, curd shuld be pretty ok to eat as well. Flavoured yoghurt you’ll only find in stores stocking imported stuff - more often that not, it’ll have been imported from south-east asia or the middle east.