Originally Posted by
albie
We frequently travel to a country for 2-4 days
You frequently go to the same country, or to "a country" as in a random country?
If you are repeatedly going to the same country, have your bank at home get you several trip's worth of their currency, and you'll be good for several trips' worth of tips.
Originally Posted by
albie
and don’t get any local currency as it is so rarely needed.
What do you do when you encounter a place where local currency is needed? Walk away? My last overseas trip I found few places where only cash was accepted, but even in first world countries - and when you want to tip - those places still exist. I have a card with low currency exchange fees that I used to get cash from an ATM as surprises can happen and I never want to be completely without cash when traveling.