I have not used room charge for some time. I just use the giftcard directly when paying for almost anything. For mobile orders it is a little bit of a pain, but so is going to front desk.
One option I found to make it easier is to buy electronic gift cards in larger amounts. They come directly to your email account. When placing a mobile order...it you want to buy $50 worth of food, you have to have $50 left on the giftcard. Otherwise, overage will get charged to the credit card. I don't mind for small amounts.
We also try use two phones now. One to call up the giftcard, the other for the WDW food order.
As for the hotels, on the last night, I think the hotels still charge your card like...I'm going to say overnight. I always try to pay parking fees on last night before going to bed.
Another giftcard trick I have used that really helps is to carry a mini sharpie for the plastic giftcards ( A regular one also works, but the mini ones are shorter and easier to carry.) If I use a gfit card in the parks, I either wrap the most recent receipt around the card, or I write the balance on it with the sharpie. When all used up, I put an big X on the card. The sharpie also comes in handy if I use giftcards to pay for hotel. If you cancel hotel, the funds go back to gift card, so don't throw them away. I write and X on them, but also something like, "All Star deposit 8/5/22."
One tiny advice on the e-gift cards, if you let autofill fill in your email, it sometimes says not a valid email. You have to move the cursor over one space to open the egift card. Otherwise, they are very easy to use.
