My wife and I never carry a balance on our credit cards. We only use cc for prepaid services and groceries to make it easy for cc company to spot unusual transactions.
We also do not do any banking or commerce on our phones, so if they're lost or hacked, spoofed or whatever so people can't get our info that way
We use it for everything and still get those types of notifications but maybe not as easily as you would. We still have "patterns" in our spending but obviously more diverse than yours.
On the flip side, I have heard of people, for example, being on vacation and not being able to use their card for the very reason you mentioned - it's out of the ordinary so the bank stops it. I think, but don't know for certain, this can be avoided if you contact the CC company ahead of the vacation to give them a heads up.
Keeping a lower limit, if it works for you, is another way to add some safety to your CC account. They keep offering to increase our limit. They must really like us.
I use my phone for online banking but never outside my home network.
My mother-in-law lost her phone. We had her call her provider and suspend the account. The phone was recovered without incident and the account was reactivated. Some personal information could still be accessed. Personal information can be accessed already besides having to steal a phone.
I could be wrong but I think my best protection against cyber crime is that I am a very small target. For example, being on this forum is my biggest online presence in years. Neither my wife or I have a social media account (my wife has a Facebook account but doesn't post anything).
If I handed a scammer an opportunity no doubt they would take it. Easy money. But I doubt that a scammer is going to spend effort zeroing in on me, especially if they don't know I exist. If I get caught someday it will likely be one of scams where they're casting a large net or when I am senile and get a call from "my favorite grandchild" who needs bail money e-transferred.
I have so little of value for thieves that I walked away from my wife's car to drive away with a friend, left her car in a parking lot on the outskirts of town for about 4 hours, came back after the event to see it
still running, the only car in the lot sitting under a light, and yes, it was unlocked.
True story. After the initial shock I laughed all the way home. And I realize that was both dumb and dumb luck.