> "ATM Fees" are something I've never had to deal with
Really? There are lots of little independent ATMs around the UK that charge a fee, and if you use a UK card abroad, there's a fee. They're not huge, but they're not zero.
Right. I avoid the corner shop ATMs when i can, but i can't always, because there aren't proper cash machines everywhere. I'd be surprised if someone else had a different experience.
You're right about using UK-cards abroad, which I guess I'd forgotten about, though!