overdraft services

Do you overdraft? This is the question my bank is asking me in an advertisement I received about their Debit Card Overdraft Service. It encourages me to add this helpful service when I sign into Online Banking. They say it will help my card from being declined. They also mention gas fill-ups and repairs. Good point! If my car is broke down or out of gas on the side of the road, having my debit card declined would not add to the circumstances and could prevent me from buying other goods and services that I need to drive to. In the letter they also mention this which they refer to as other purchases. True! Having my card declined could effect my shopping.
 They continue to entice me with the promise of convenience when I'm not carrying credit cards or cash. Should I really be out at all when I don't have enough money in my checking account and no cash or credit cards on me? I'm thinking, probably not. And last but not least they throw in the added bonus of more flexibility. In the event that I use the Overdraft Service I may be able to deposit more funds later that day to avoid the fees. If I have additional funds somewhere shouldn't I make them available to myself ?
This appeal for me to utilize the Overdraft Service seems to focus on the desperate situations that someone may be in at times. I'm not judging. It can happen to the best of us. What really concerned me is this. The service is potentially free if I do not use it but if I am unfortunate enough to need it they could charge me a fee of thirty five dollars. That seems expensive to me. Especially if i'm already having some money problems. I have had overdraft protection through other banks and I believe it was a percentage of the amount of money I needed to borrow at the time. If I need to make a large overdraft charge me more. If i'm only filling my tank up with gas, 35$ is more than half of what my fuel tank can hold. Thanks for the loan bank but I think i'd rather call a friend and ask to borrow forty and a gas can until my next payday.
The Overdraft Services letter makes me feel as if I should worry unless I have this service or shop for another bank with a better overdraft protection policy.