How do you handle the credit lines with a debit card?
Anyway, to each his own way. It works for you. I prefer the credit card after having done it both ways.
There is no "credit line", it's cash, that's the point. If I don't use credit, my credit history slips away eventually. Accounts all closed, paid in full, eventually they are not relevant to anyone for anything.
A few more years on the mortgage ought to do it. My cars are paid, I had planned to pay cash for next one anyhow. I'm gearing up for retirement, not spending sprees.