For ten years, I've been dragging around a ratty checkbook with tatty corners because it was loose in my purse. And I always carried another checkbook with a cheap bank cover because It contained my ID and cards.
So I splurged this year.
Now I am in control of my destiny (at the very least, my appearance at the checkout counter), come hell or high water. We've had some of both at the coast during the past decade.