I've had roughly the same experience: in the last 8 years, I've had suspicious activity on my CC about 5 times. Each time, the bank caught and trapped it before I noticed and issued me a new card quickly. I've only had to fill out paperwork for a disputed charge once, and it was a 2-page, 2 question, sign-and-mail-it-in deal.

My advice is different, though. I notice that I tend to get lucky in places where people can have very aggravating experiences. I'd say that if you've had problems before, then anticipate problems this time around too. If you haven't, then don't bother.