I load maximum $9 at a time on my phone clipper. It’s easy for me to just reload more than once a day if needed. I lack CSR card and will test charging to my Costco for 3% travel. Currently just doing the 2% cash on MC.
I don’t miss the days of buying the $20 Bart ticket because it was such a pain to buy (ie long queues, dodgy bystanders) and then possibly losing the Bart ticket. So I’m loving Clipper and I don’t miss the plastic card.