I got a letter, but has been a while (2012) since I ordered rom BRS and my card number has changed 3 times this year alone because of other incidents, so I am probably ok. I may take them up on the free monitoring thing, though. I did change my password a soon as I heard about the breach. Makes me glad that I use a password manager. I never reuse a password.
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I'm with you as far as my card being replaced twice already this year from other indiscretions. I haven't gotten a letter yet, but if I do I would simply change my password and request a new card. I wouldn't bother with the monitoring.....just get the new card and move on.