@mathew All true. All mentioned.
And if you pay the 3-7% to cover the costs and have the option to just give them that money directly rather than fritter it way... why not?
The core message is: Donate.
The enforced point is: As efficiently as possible
The chorus of purity folk: If you don't do it the easiest way, you're discouraging people from donating at all. Which is the bullshit in question.