Depends on where you are going. We did a trip to India and we got charged several fees when withdrawing from State Bank of India. It would have been even higher if we had allowed State Bank of India to the currency conversion. Do your research before heading to a different country.
Why?
ATMs probably tend to be a better deal but for $100-200 amounts probably doesn't matter much. Whether you spend your leftovers at the airport depends on if you're reasonably certain you'll be back. I keep pounds and Euros but I have way too much of other currencies which between COVID and employment changes, I'll probably never use.