If you treat them like a debit card, there aren’t any of these issues. I have a credit card that I use for all everyday expenses. Every month it’s paid off so it never acrues interest. My credit score is great and the card offers some other benefits too.
If I lose my job the risk I have would only ever amount to one month of spending, which is easily covered by my emergency fund.
Android auto in isolation is generally fine. I’ve owned an aftermarket head unit that offered android auto and it worked flawlessly with my pixel phone.
When I bought a Subaru crosstrek, android auto using the same phone was terrible. It constantly disconnects and has strange audio issues all the time. Apple carplay works fine with my partners phone.
There is something about Subaru and their implementation that is total shit for android auto specifically. I wouldn’t recommend them for a good android infotainment experience.