I normally top up a prepaid card on a night out, purely because if I get stupid and lose my card, I’m not too bothered about losing it. I also will normally have my Barclays card with me, but without the ability to use it by contactless and with a Cash Machine limit. So if I do need to withdraw cash I can, but only by an amount I choose beforehand, and also no risk if I lose the card as contactless is off.
Starling have the contactless control, but doesn’t have Cash Machine control, apart from on and off, I would think having that extra setting would be a good idea.
If I forget to charge my phone, having the Cash Machine set to off in the app wouldn’t work, but having the Cash Machine limit low would be ideal.