I have been residing overseas for the last 6 years, living in and visiting 27 countries in total. I also have 5 bank accounts and 9 cards, all registered to a virtual mail address and a VoiP phone number. No problems so far.
Expanding on your point, when people say 'overseas' they should be more specific. To take an extreme example, spending a bunch of time in France is different than say Somalia.
Protip: chill.