> debit cards are the worse as they (technically) don’t allow you to dispute charges like in a credit card.

That's a commonly propagated falsehood. Both legally (Regulation E) and practically (all large card networks require issuers to extend a zero-liability policy to debit cards), consumer protections are very similar.

The big difference is that, as you say, with a debit card you're potentially out the money for a few days, which can be unpleasant if it makes the direct debit or check for your rent bounce.