I figure, if I could afford to use a credit card, and then pay it off every month, then why would I need the credit card?

I use my check/debit card. I'm too unreliable with cash, and I hate writing checks. I have Quicken and an excel spreadsheet to help keep me from screwing up and bouncing stuff...

I like it because that means I don't have to carry cash. Plus, the other benefit is that annual check. I like to think of it as a bonus.