It's not a worry at all in China for purchases <200 if you use WeChat or Alipay. For larger amounts, it can come into play, but isn't an issue for most web based transactions, including ctrip and major hotel chain websites.

If you do drop Y1000 on a dinner at Dadong, you can either use Wx/Ap and pay a small conversion fee on the difference between 200 and 1000 or pay directly with your credit card (minor risk of DCC). I suppose you could also break the 1000 into 5 separate payments; that's common with group dinners, but a little tacky if it's just you and your family members.