I use Bitpay for absolutely everything. In fact, I'm THIS close to going bankless.
As to delays to load: after you build up some trust w/ Bitpay over multiple withdrawals, and don't try and use their 15 minute grace window to game them vs BTC's market movement, they'll eventually put you on their unofficial "trusted clients" list. When that happens, they don't even wait for a single confirmation before allowing you access to your money.
My money becomes available on my card literally about 30 seconds after Bitpay receives the broadcast that BTC's on its way.