I have a no fee TD American card (issued with my CDN credit card). Use for ships purchases and tips etc. Bill comes to me and I pay with my AM money account. No fees. If you pay with CDN card - you pay fees at clearing bank in US and with your home bank.
Been there! Have at least a jacket that is somewhat warm that you can wear home - the new light less bulky down meant for "in between weather". Wear when you board to leave home.
I did it once. I felt staff didn't want a "one". Yet have found even a table for two in MDR no problem and neighbors friendly and staff efficient and pleasant.