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 Backup or starter?

Here’s the Unfiltered Truth Updated March 2026  ·  14-minute read  ·  Covers pricing, vetting, talent quality, real user feedback, and who should — and shouldn’t — use it. 🕒 Last verified: March 2026 ...

You're at an overseas payment terminal, card out, and the screen asks: "Pay in SGD or local currency?" SGD feels safer. You know the number. You select the option ...