I reluctantly accept the 2% fee as the lesser of two evils. Despite years of travelling, I have yet to figure out a good system to adequately project my cash needs, and match my ATM withdrawls accordingly.

The end result, getting stuffed by bid/ask spreads and fees at foreign exchange counters and/or finding money later that I am then forced to exchange at an extremely unfavorable rate or, in a worst case scenario, am simply stuck with.