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.