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They even have the weird cash-cards for Habbo Hotel and some other online avatar service o.O
You mean they WILL be getting them in the next couple of months.
Also, wall of text.
I've used a disposable (aka rechargeable) card so far. Put about $100 in. I don't recommend buying $25 cards though because you have to pay an additional fee of $2.50-8 on top of the value of the card to activate it. So unless you're doing it in a large amount it's a bad value.
Like you said though, PSN cards will be available at 7-Eleven, BlockBuster & RiteAid (all of which are national chains w/ stores everywhere). So that's the route I'll be going when my $100 account credit is depleted.