Those debit 'protections' are when you run it as a debit card with PIN. Almost all debit cards can also be run as credit cards. When they are run as 'signature' credit cards credit card protections apply.
Never use your PIN anywhere but the ATM. Most especially not on any ole card reader you're handed in a restaurant. Most places assume debit and if you hit 'cancel' or 'change payment type' you can always get it to run as a credit card.