Don't forget, the Microsoft Band, like other fitness wearables, continues to record your activity, even if your smartphone is not nearby. So, syncing to your phone, or a computer, uploads your data to your Microsoft Health account. The PC or Mac apps are not just for charging.
I've used my Microsoft Band twice at Starbucks. Worked perfectly. Rather than register the $5.00 gift card which came with my Band, I put in the same card number which was already registered on my iPhone. That card auto-reloads with cash. I did not think that would work, but it does!