It doesn't save the PITA that is getting your card stolen, though. With a virtual CC you don't have to do anything except close that card out (which you can on Citi's website, which is the version of this I use).

I haven't found the occasional card replacement to be a pain, but I have two or more credit cards at any time.

It's not just being without, is updating all other services that are tied to your card.

Now I personally don't let third parties store my cards, but it's quite common in this day and age of saas everything

Oh, that's true. I guess I just don't have that many 3rd party services regularly billing my credit card without prompting for a specific one to bill. I've only had to replace two credit cards over about 10 years, though.

I have those on too! I saw the suggestion here, so I get: app notifications and emails. I also get notified if my balance gets too low. I used to want all that off, but email is a reasonable "paper trail" to know I'm not going crazy if I see an odd notification.