In Switzerland and surely other western European countries (France for sure), PINs are 6 digits, also with a three-try limit, after which the card is swallowed (in an ATM) and simply blocked until the bank issues another PIN or even a new card.

Ditto 2, many times over, and very happy that I don't suffer the trials and tribulations that many have written about regarding their various social accounts. :-D

Me as well - I do partial backups every day and full clones on the weekend - done this for years now and only had to use the clone once, without a hitch :-)