Floridarob, I use the very same VISA and Mastercard cards that you do—as well as the Chinese UnionPay and the Russian "Mir." Naturally, I hold both credit and debit cards—and they are absolutely identical (!) to yours except logo printed on the card, since all the features you described so vividly are provided not by the bank itself, but by the payment systems.
All I said above: virtual debit cards are the best solution for conducting high-risk transactions; after all, it is impossible to steal money from an "empty wallet." In the event of successful fraud, however, using a virtual credit card would result in unnecessary hassles and disputes with the bank.
Furthermore, I understand the benefits of using credit cards even better than you do: here, the grace period lasts three months, and the interest rate on deposits stands at 12–16%. Therefore, in most cases, I pay using a credit card, allowing my own funds to generate an additional 3–4% in profit for me during that grace period—right up until the moment I pay off the balance on that interest-free, three-month loan.