I don't have a credit card any more. I don't miss it either really, except for the air miles, but I keep having friends say 'But how can you use a debit card, they don't have purchase protection'.
I've never needed to call on the insurance or purchase protection of a credit card, and I think the restrictions are tight enough the same would be true of most others.
Do you use the purchase protection much? If so, can you give some examples of when you've called on it, and got your money back?