Update: based on my calculations I think Schwab reimbursed all of the ATM fees despite me pushing "cash & balance". I was a bit concerned because I remember doing a balance only request in the past that didn't get reimbursed, so I was assuming that I'd only get partially reimbursed for the transactions on this trip.

Also, it looks like Leonardo might only be bothering with DCC for higher value transactions and/or for the actual hotel stay. Just had them do some laundry for me and didn't get any DCC prompts when it was time to pick it up. The hotel restaurant also didn't DCC, though it looked like it was using a different POS system and different terminals compared to the front desk.