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ALERT,ALERT,ALERT !

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.... So far I've had the feeling that I'm the only one who wants to know the exact rate beforehand.

You can compare online your bank account exchange rate entries and the visa calculator rates(or Mastercard Cirrus rates) . I bet you will see a pattern in the effective exchange rates. From there you can extrapolate the visa calculators rate so in effect you know what exchange rate you will get.
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That means they are being skimmed.

That means they are being skimmed.

Someone is definitely making some good money in the current arrangement of the exchange rates being "fuzzy".

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