I believe that I can only use cash to buy an suica card when I arrive at NARITA. I understand Suica cannot be used on the Narita express, so I will have to buy a separate ticket. Are these assumptions correct?

If so I plan to purchase a Suica at Narita iand put 10,000 yen on it so I can use it for subway trips in Tokyo, Osaka, Fukukoka. In addition, I plan to buy food at stations in Tokyo, Niigata, Akita, Osaka., and a few others. Is this a good plan for using the Suica?

To do this I would have to an ATM before going to the Japan rail office at NRT.

Thank you.